Apple's system does not store card numbers or transaction information on devices or servers. Encrypted card numbers are temporarily retained on iPhones only during store-and-forward transactions when network connectivity is unavailable.
Merchants can now accept contactless payments using only an iPhone without additional hardware, as Singapore payment firms Fiuu and HitPay launch support for Apple's Tap to Pay technology.
The integration enables businesses to process contactless credit and debit cards, Apple Pay, and digital wallets through NFC technology on iPhone XS or later devices running current iOS versions. Customers complete transactions by holding their payment method near the merchant's iPhone, with PIN entry supported for accessibility.
