Security

Apple Card payments and Apple Wallet pass details

Payments due on the Apple Card account can be made from the Wallet app on iOS with Apple Cash and a bank account. Bill payments can be scheduled as recurring, or as a one-time payment at a specific date with Apple Cash and a bank account. When a user makes a payment, a call is made to the Apple Pay servers to obtain a cryptographic nonce similar to Apple Cash. The nonce, along with the payment setup details, is passed to the Secure Element to generate a signature. When the payment signature comes out of the Secure Element, it’s passed to the Apple Pay servers. The authentication, integrity, and correctness of the payment are verified through the signature and the nonce by Apple Pay servers, and the order is passed on to Goldman Sachs Bank USA for processing.

Displaying the Apple Card number details in the pass using the Wallet app requires user authentication with Face ID, Touch ID, or a passcode. It can be replaced by the user in the card information section, and disables the previous one.

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Apple Card payments and Apple Wallet pass details