Visa’s contactless payment, Token technologies and numerous unique security features built into the iPhone and Apple Watch, allow Visa cardholders to use Apple Pay in an easy, secure, and private way.
Tokenised Visa payments through Apple Pay
When you enrol your Visa card within Apple Pay, your payment card information (including the 16-digit account number found on the front of your Visa card) is substituted by Visa and your card issuer, with a Device Account Number that can be securely stored on Apple devices - and passed to merchants to process transactions you make with Apple Pay.
Happening behind the scenes
Your underlying Visa credit and debit card numbers are not stored on any device running Apple Pay, or on Apple servers - and are never shared with merchants through the service, acting as a powerful layer of additional security.
Visa payWave for Mobile
Visa payWave for Mobile software from Visa works in conjunction with the Secure Element (a dedicated chip in iPhone and Apple Watch), to enable the creation of a dynamic, secure code every time you make a payment with the service – this cryptographic code is transaction-specific, and passed to merchants alongside the Device Account Number for your Visa card within Apple Pay – this information allows payments sent through Apple Pay, to be processed as if they were a normal Visa card payment.
Apple’s Touch ID technology allows you to conveniently authenticate every payment you make to merchants through Apple Pay – using a simple touch of your finger to the compatible iPhone, iPad or Apple Watch.