With Apple Pay, when you add a card, its details are encrypted and stored only on your iPhone, not on Apple's servers.Īpple replaces your card's details with something called a device account number (also called a token) which means the real information is never shared during purchases. Your data will be processed in accordance with our Privacy policy Are Apple Pay and Google Wallet safe?Īpple Pay and Google Wallet appear to be at least as secure as contactless payments: From an industry point of view, the most significant breakthrough that mobile payment systems offer is in their security, and here Apple and Google both incorporate some pretty nifty tricks.This newsletter delivers free money-related content, along with other information about Which? Group products and services.Both Google Pay and Apple Pay can make online purchases straight from an app or website, automatically handling the entire checkout process with pre-filled defaults and only requiring PIN or Touch ID verification to complete the transaction.This allows it to work on older hardware. Google, on the other hand, opts for a more traditional PIN-based authentication system.Apple, with complete control over its hardware, makes Apple Pay available on iPhone models with Face ID and Touch ID (except the 5s), iPad models with Touch ID or Face ID, Apple Watch Series 1 and later, and Mac models with Touch ID. Both systems allow for contactless payment using near-field communication (NFC) technology, though their implementations are slightly different.Google Pay was introduced in 2018, replacing Google Wallet, which made its debut in 2011. Apple Pay and Google Pay are mobile payment systems.Google acts as an intermediary and stores your card details on its servers, while Apple has explicitly declared that it will never track your transactions.Apple may be to be easier to use, but Google has more features. Apple Pay and Google Pay are largely identical offerings.Apple Pay and Google Pay are both widely accepted mobile payment systems.
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