Recently added a joint CC to a second Apple device (both iPhones, not that it should matter to the question).

If the CC is used via Apple Wallet on one device, will the notification go to ALL devices where the CC is loaded in the AW, or just the device that used it?

Couldn’t find an answer. Maybe my Google-fu is not what it used to be.

-Rob

I don't know the answer to that, but it should be easy enough to find out -- just try it. Let us know what you find.

Or, axe Apple (sorry, bendable). There's a chat facitity at support.apple.com, or call them at 800-MYAPPLE.

Go to a strip club and make a purchase. You will find out your answer really quick. Seriously though I am not sure, I will have to ask my wife next time I use ApplePay with our shared card.

The wife and I share an Apple Card account using the Wallet app. When one of us uses Apple Pay, we both get a notification of the charge.

One of the Apple accounts will be the "primary" user. This person will get notified as well as the person who made the purchase. I don't think others sharing the Wallet registration will be notified. For example, Mrs. A is primary on our Apple Family accounts, she gets notified of my purchases in Wallet, at least on the Apple Card, but I don't see hers umtil the end of the month statement.

We pretty much use the Apple card for everything, so I don't know about other cards registered in Wallet, but I don't hink this applies to them. The cross notification appears to be an artifact of the Apple "family plan" and not inherent to Wallet.

quote:

Originally posted by mark123:
The wife and I share an Apple Card account using the Wallet app. When one of us uses Apple Pay, we both get a notification of the charge.

My wife and I share a Chase Credit Card if either of us makes a purchase using Apple Pay it does not notify both of us.
If it is a charge is an Apple product/service (ie Apple cloud storage monthly fee) comes across to both even though that gets charged to the Chase credit card.

My understanding it that Apple creates a token CC number for the transaction, rather than the actual CC. That’s why Apple Pay is more secure than using a CC.
The notification you get comes from your CC company, not Apple.
If you and spouse have the same CC number, you will both get a notification.

quote:

Originally posted by sjtill:
My understanding it that Apple creates a token CC number for the transaction, rather than the actual CC. That’s why Apple Pay is more secure than using a CC.
The notification you get comes from your CC company, not Apple.
If you and spouse have the same CC number, you will both get a notification.

Not the case.
I don’t get notifications for my wife’s Apple Pay purchases using our shared Chase Amazon Prime card and she does not get notifications when I use Apple Pay with that card.

The terms "Apple Card," "Apple Pay," and "Apple Account" do not refer to the same things. Each has its own capabilities, policies, and practices. They can be linked together in the Wallet App, and are by default, but do not have to be. Whether or not you see other's purchases in Wallet will depend on how things are configured. Apple's references to these terms are more influenced by marketing than by technology.

And as for the "transient" card number associated with an Apple Card, there is nothing transient or temporary about it, nor does Goldman Sachs (GS), the issuer of the card generate a new one for each transaction. Each card has a "virtual" number assigned to it. This number can be stored and reused by a merchant, and stolen and used by a card thief, it has happened to me multiple times. GS is very quick to change this number upon request, or whenever they spot what they think is a bogus transaction.

The only real difference is that the card number is not printed on the physical Apple Card. If you run the Card through a chip reader, you will obtain a card number which will most likely not be the same as the virtual card number you would use to register the card with an on-line merchant. You cannot use the chip card number without having the physical card in hand, e.g. via direct contact with the chip's physical interface by a brick and mortar merchant's card reader.

Per my Flipper Zero, the Apple card does not respond to an NFC or RFID read attempt so someone trying to steal the card number that way would be frustrated. No number written on the card, nor obtainable by radio does add a fair amount of security against the most common card attacks.

Kind of interesting, when I try to read NFC from my iPhone with the Flipper, it generates a pay request to one of the other credit cards registered in the Wallet app. This tells me that, with a little programming, and maybe some social engineering, the Flipper would enable a charge to be made to a third-party's Apple Pay account.

My earlier response was about Apple Pay, not the Apple Card. Architect (above) correctly says that Apple Pay, Apple Card, and Apple Account are not the same; but then goes on to describe something about the Apple Card, which was not the subject of my post.

From Grok:

quote:

Is Apple Pay More Secure than a Credit Card Payment?

In general, yes, Apple Pay can be considered more secure than traditional credit card payments for several reasons:

1. Tokenization:
- Apple Pay: When you use Apple Pay, your actual credit card number is not transmitted to the merchant. Instead, a unique "device account number" (token) is used. This token is specific to your device and the merchant, reducing the risk if the transaction data is intercepted.
- Credit Card: When you swipe or insert your card, your actual card number, expiration date, and security code can be potentially exposed to skimming devices or data breaches.

2. Dynamic Security Codes:
- Apple Pay: Each transaction generates a unique dynamic security code, adding another layer of security that changes with each transaction.
- Credit Card: Magnetic stripe cards use static data, and even chip cards, while more secure, do not change the card number for every transaction.

3. Biometric Authentication:
- Apple Pay: Typically requires biometric authentication like Face ID or Touch ID, ensuring that only you can authorize payments from your device.
- Credit Card: Relies on physical possession of the card, which can be lost or stolen.

4. Two-Factor Authentication (2FA):
- Apple Pay: Often integrates with Apple's 2FA protocols for setting up and managing payments, enhancing security.
- Credit Card: While some banks offer 2FA, it's not as universally implemented or seamless as with Apple Pay.

You are both right.

By default, no card number is transmitted and that is far the norm. However, a compromised reader can tickle wallet to cough up a card number.

Source: coworker at a largish financial concern who is a recovering card reader programmer.