this post was submitted on 17 Feb 2025
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Privacy
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One of the reasons I actually like Apple Pay (besides the convenience) is the fact that it randomly tokenizes your information so stores can’t track you as easily. That’s why the push for loyalty programs so they can continue to track you where they can’t by card anymore.
I am fairly sure it just tokenizes the card number and it's not to prevent tracking. Most retail stores have been only storing tokenized card numbers for a while now, Apple Pay or not. With Apple Pay, it would be for card skimmer protection. Regular cards would still be vulnerable at the scanner.
The payment processor, your bank and the store still know who made the purchase.