How does Apple Pay know my new card?

How Apple Pay Keeps Your Card Information Up-to-Date

Apple Pay, the mobile payment service from Apple, is designed to make it easy and secure to make purchases without fumbling with your physical cards. To ensure seamless and secure transactions, Apple Pay utilizes a unique Device Account Number (DAN) that is linked to the expiration date of your card.

When you first add a card to Apple Pay, the service generates a DAN that is associated with that specific card and its expiration date. This DAN is securely stored on your device, allowing Apple Pay to continue using the card for purchases even after its physical replacement.

Updating Your Card Details

When you update your card details with Apple Pay, typically by entering the new card number and expiration date when prompted, the service automatically updates the DAN associated with that card. This process ensures that your new card information is securely stored and ready for use with Apple Pay.

Why Apple Pay Updates Card Numbers

Updating card numbers through Apple Pay is essential for several reasons:

• Security: By updating card numbers, Apple Pay helps protect your financial information from fraud and unauthorized transactions.
• Convenience: Automatically updating card details eliminates the need to manually remove and re-add your card to Apple Pay, saving you time and effort.
• Seamless Transactions: By using a DAN linked to the expiration date, Apple Pay can continue to process transactions even if your physical card has expired.

Conclusion

Apple Pay’s ability to maintain unique DANs and automatically update card details is a valuable feature that enhances security, convenience, and the overall user experience. By keeping your card information up-to-date, Apple Pay ensures that you can make purchases seamlessly and securely, without having to worry about outdated card details.