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Originally Posted by JGibson
Why folks don't utilize Apple Pay is beyond me.
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Easy explanation: Not every vendor takes Apple Pay, not everyone has an iPhone, not everyone is comfortable giving Apple their CC information.
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Apple pay generates a random number every time you use it and the retailer never gets your actual card number.
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Similar to the random code sent when using Tap-to-Pay with a credit card.
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If a restaurant or any business doesn't accept Apple Pay they get cash.
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I prefer cashless and don't carry much cash at all. Someone steals my cash - I'm outta luck. Someone steals my wallet - I can call to cancel cards. Someone uses my card without authorization - $50 out of my pocket at most but more likely $0 (though with the aggravation of getting a new card and number)
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If you don't want to use Apple Pay most major banks offer virtual cards which is also some random number and not your card number and can only be used once.
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Haven't heard of virtual cards yet. Virtual numbers were great but only useful for online purchases. A separate card with a virtual number attached would be quite handy.