- The author argues against using Apple Pay while traveling due to fraud risks with digital wallets, describing it as a potential 'signature' that can complicate disputes. - They plan to rely on physical cards when abroad and only use Apple Pay at home, citing issues like spoofed card readers and fake declines. - This is a personal theory with no firm numbers or deadlines; reader feedback is invited.

Why I Will No Longer Be Using Apple Pay While Traveling Shop Amazon and we earn a commission! Find all of the latest deals. I Won’t Use Apple Pay Any More I wanted to piggyback on the recent article about Chase’s terrible international fraud alert changes (plus online purchases) with a PSA on Apple Pay. This is more of a working theory of mine based on some research and a few first hand accounts. Even though it is a theory, I do believe it has a basis in fact. Am I being overly cautious here? Probably, but I would rather be safe than sorry. Even if the issue is likely the tiniest percentage of all charges. Using Digital Wallets / Apple Pay Is Kind Of Like A Digital Signature Why am I freaking out and saying I won’t use Apple Pay any more? Mainly because its biggest strength is also its biggest weakness, security. What do I mean by that? It is hard to break into a phone and get access to your digital / Apple Pay wallet. You need a code, or a face ID etc. If your phone is stolen your card info is still protected via needing to log into the phone AND having to log into your digital wallet. That is the type of two factor authentication that we strive for in a digital world, isn’t it? Yes, but maybe we don’t want that with our credit card charges. Hear me out, when you use Apple Pay (or a digital wallet) it is kind of like a signature. You had to log in to use it and that is...