Tinkiegrrl_825 t1_iw9lkom wrote on November 14, 2022 at 12:07 AM

Just because it was an MTA charge doesn’t necessarily mean your card number was swiped while using the MTA. Just that the thief used it for the MTA. I tend to use Apple Pay attached to a credit card. Never had an issue. Apple Pay doesn’t use your cards actual number. It randomizes it, so even if there is a scanner nearby the thief shouldn’t be able to grab the card number. Most likely, your cards details were stolen somewhere where you physically swiped the card, be it at a merchant who didn’t take Apple Pay, or an ATM with a skimmer attached to it.

austinrathe t1_iwa4h9c wrote on November 14, 2022 at 2:35 AM

This. Thieves can’t lift card details via Apple Pay, so it’s more secure than a regular contactless card.

fluffstravels t1_iwbe4cj wrote on November 14, 2022 at 11:37 AM

there’s actually a video on YouTube of someone who is able to hack Apple’s wireless pay, but the rig to do it is so complicated that it would never happen casually in real life. In the video there’s like an open laptop, and a scanner up against a phone and it takes like a full 30 seconds for it to be processed.