I have an iphone for work that I’m also allowed to use for personal stuff. I don’t use it often, but it has a great camera and is a useful backup for 2FA if I would lose my primary (android) phone.
It also gives me the option to use Apple Pay. Paying with my android doesn’t work, my bank’s app is shitty. It would be useful to have an alternative for my bank card, so I was considering setting up Apple Pay.
But I wanted to know: what information will apple get if I use Apple Pay? Do they get the payment details of every payment I make? Will they know anything about payments I make with my card?
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The best advice you will ever receive is to not use a company’s provided phone on personal affairs.
Thanks, that is good advice indeed. I don’t work for a company and I trust the phone itself, but a very valid point.
I’m not entirely sure if this fully answers your question or if it’s still accurate, but I came across a graphic comparison a while ago that illustrates how Apple Pay and Google Pay handle payment tokens. According to this infographic, it can be assumed that Apple does not pass every payment through their own servers. As a result, even if they do store some information, it’s likely not much.
On their website they state
Apple Pay is also designed to protect your personal information. Apple doesn’t store or have access to the original credit, debit, or prepaid card numbers that you use with Apple Pay. And when you use Apple Pay with credit, debit, or prepaid cards, Apple doesn’t retain any transaction information that can be tied back to you. Your transactions stay between you, the merchant or developer, and your bank or card issuer.
That sounds to me as if they collect everything they can and then anonymize it. So like with everything Apple you just have to trust them. If that’s enough for you, go ahead and use ApplePay.
I would avoid using an employer supplied device for personal use! More often than not these devices are “managed devices” which consists of management profiles that could grant all sorts of permissions from normal diagnostics, restrictions to location, camera and more!
With that said Apple in such case would become the middle man in relatio to the transaction! That means that Apple pay would retain the purchase logs on your card and
send a apple.com description to your bankto mask all your purchases! In theory you’d be given more privacy in relation to your bank but you’d be introducing a third party in the process and more potential failure points!send a apple.com description to your bank to mask all your purchases!
Every Apple Pay payment I’ve done lists as a normal transaction in my bank account. If I pay for my meal at McDonald’s, it gets listed as McDonald’s.
yea they don’t mask your purchases, though it would be nice for that to be a more easily available service.
I do like that my banks app automatically categorises things based on those descriptions so I can get analytics on my own purchases to keep track of spending, but sometimes you just want to mask a purchase without having to go through something like PayPal.
What’s the point of that? I trust my bank more than PayPal with my transactions.
that’s kind of double edged sword. If Apple would be to mask your purchases, they would most likely have to know about what the purchases are to hide them from the Bank. But in current state I assume (based on the infographic I posted in separate comment), that Apple doesn’t know about the purchases much, thus they are not masked on the bank’s side.
But I am no expert in this matter, so I may be wrong.
It’s also very much dependent on the country you are on! There are certain countries “India being recent” that restrict Apple from applying the same functionality everywhere!
You know periods exist right? You don’t need to end every sentence with an exclamation mark.
Yes
Yes that’s a good point, and thank you for the insight
Nobody knows. Apple says no data are collected, but companies lies. In the past apple was sued for collecting user data despite opt-outs.
Irrespective of what Apple collects, a company provided mobile is a managed device which basically logs everything for the company.
