Common Apple Pay scams, and how to stay safe

Apple Pay is clearly a hit with consumers. According to estimates, it had hundreds of millions of global users and processed trillions of payments in 2025 alone. But where there is money to be made, scammers will not be far behind.

Apple is well known for designing digital ecosystems with security and privacy in mind. That’s why Apple Pay uses biometric authentication (i.e., Face ID) to authorize payments. And it features measures such as tokenization, so hackers can’t steal card details directly from your device/wallet and your purchases remain protected. But the platform and its solid reputation can still be abused for scams, typically by “hacking“ the owner of the device/wallet.

Here are some common scams targeting Apple Pay users.

Top six scams targeting Apple Pay users

Apple Pay scammers are usually after your financial information, your money or your Apple ID and logins/2FA ...