3. Is Apple pay secure?

How secure is an Apple Pay transaction?

• Security and privacy are at the core of Apple Pay.  Apple uses security
  features built-in to the hardware and software of your device to help
  protect your transactions. Apple doesn’t store or have access to your full
  card details, and these are never stored on your device or shared with
  merchants when you use Apple Pay.  Merchants are only provided with
  your Device Account Number.
• Each transaction is authorised by your Face ID, Touch ID or the device
  passcode and a confirmation is displayed in the Wallet. This shows the
  merchant name, where and when the transaction occurred and the
  amount of the payment or refund.
• If you misplace your device you can use Apple’s Find My app
  service to remotely lock your device or permanently erase the data on
  your device, including your card details to prevent further Apple Pay
  transactions being processed.
• Subject to our Pre-paid Terms and Conditions, you are covered
  by our Fraud Money Back Guarantee for any unauthorised purchases
  made with your Westpac card on Apple Pay. Subject to our Deposit
  Account Terms and Conditions, you are covered for any unauthorised
  transactions made on your pre-paid Card on Apple Pay.
• More information on Apple Pay security and
  privacy: https://support.apple.com/en-au/HT203027