In reply to Moabcraig.

It is really an end to end problem of the Apple Pay as a mobile wallet aiming to become widely used. This doesn't help. Apple and payment industry should have done much better job to avoid these issues ... I have written about it in one of my articles on LetsTalkPayments.com => http://letstalkpayments.com/could-apple-pay-fraud-have-been-prevented/