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?
Irrespective of what Apple collects, a company provided mobile is a managed device which basically logs everything for the company.
Nobody knows. Apple says no data are collected, but companies lies. In the past apple was sued for collecting user data despite opt-outs.
The best advice you will ever receive is to not use a company’s provided phone on personal affairs.
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.
