When it comes to digital protecting your digital life in 7 easy steps , Apple Pay is one of the safest. It combines built-in safety features with security measures that help prevent fraud. For example, it doesn’t store your original credit card number on its servers and uses a unique device account number to represent your cards instead. This token is encrypted and stored in the Secure Element, a dedicated chip on your iPhone or Watch. When you make a payment, Apple Pay sends this token to the merchant or retailer, so they don’t get your full card number.

However, despite these security measures, scammers still find ways to use Apple Pay to steal your money. Here are some of the most common Apple Pay scams and how you can avoid them.

Hackers and fraudsters make a living by finding and exploiting loopholes in various digital devices and services. So, it’s not surprising that Apple Pay has been susceptible to a few security vulnerabilities in the past. In order to keep your data and information safe, you should always use strong passwords, enable 2FA, and update your devices regularly.

Another way hackers and fraudsters target Apple Pay users is through phishing. They send phishing emails that look like they’re from Apple and ask victims to click on malicious links or provide their details. Once the victim does, they’re redirected to a fake website that looks like a payment terminal.

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Once cybercriminals have a victim’s information, they can access their bank accounts and make fraudulent transactions. This can even lead to unauthorized charges on your credit card or debit card. This is why it’s crucial to report suspicious activity as soon as possible and monitor your transaction history.