The proportion of fraudulent charges if you pay with the help of Apple Pay no higher than for bank card payments, transfers business portal CNNMoney. Scammers really illegal procedure used a map to iPhone, but not in such amounts as reported in the press.
Earlier edition of The Wall Street Journal reported, citing an informed source, that some US banks have recorded cases of fraud when using a mobile payment service Apple.
The fact that the system of Apple Pay with your iPhone 6 and iPhone 6 Plus is vulnerable to cyber criminals, stated, inter alia, Cherian Abraham, advisor Simply Tapp. According to Abraham, to scam accounts for about 6% of all payments through Apple Pay and around 0.1% using a conventional payment cards. Simply Tapp company develops cloud-based solutions for mobile payments, they work with Google Pay - payment technology from Google, competing with Apple Pay.
"We conducted a survey among the largest US banks. Bottom line? In fact, fraud in the Apple Pay is not so common as talking about it in the media. This is confirmed by the fact that many small banks lined up for registration in the payment system Apple. They plan to start providing their services in the Apple Pay by the end of 2015" - writes CNNMoney.
The technology allows Apple Pay tie a plastic card to the iPhone or iPhone 6 6 Plus, which use technology NFC. The proportion of fraud in payments through Apple Pay depends on the bank that issued the card.
The reason Apple Pay fraud is that some banks are too easily approve binding cards to iPhone. And these are scammers - they are tied to their smartphones stolen credit card.When a user registers on your iPhone a new plastic card, Apple sends to the bank information of this user - type his phone number, the last four digits of his phone number and address of the owner of the smartphone; Bank decides to endorse the binding or not.
Banks pay Apple 0,15% on each transaction through Apple Pay. Payment organization - issuers of plastic cards - a hurry to join the partner program Apple Pay and perhaps some of them did not have time to prepare a sufficient number of competent support staff - they are necessary for binding maps to smartphones.
An Apple spokesman declined to comment on media reports. In Cupertino say that Apple Pay service has been designed to ensure "maximum safety and protection of user personal data".