The only time Apple Pay and Google Wallet aren't covered is when you break the chain between you, the credit card firm, and the supplier. Yes, provided you use a credit card in your virtual wallet and you paid for goods costing between £100 and £30,000, you are covered by Section 75 if something goes wrong.įor example if the goods are faulty, or you don't receive them, you can claim the cost back from the card company. Find out more: Why Apple Pay and Google Pay are the safest ways to spendĭoes Section 75 apply to Apple Pay and Google Wallet?.For Google, use the Find My Device service. If you lost your phone or it was stolen, you could stop payments by logging in to Apple's iCloud or by putting your device into 'lost mode' via the 'Find My Phone' app. On Apple Watch, wrist detection must be enabled.

Phone passcodes and fingerprint-recognition (Touch ID) or facial-recognition (Face ID) technology adds another layer of security. 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: This newsletter delivers free money-related content, along with other information about Which? Group products and services.

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