However surely in terms of finding the fraudster mobile has advantages over traditional card fraud? Could the device not be tracked in real time? Could whether it be Apple Pay or anything else be associated to the device so regardless of the card being used the individual device is also registered per transaction. Most devices will allow authorities to track that down to an individual? Does it stop the problem? No, however if it is criminal suicide for the perpetrator will that not be a deterrent enough? It would get very expensive to constantly change your handset for the sake of an ApplePay transaction on someone elses card number.