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0 pointsculturestate3y ago0 comments

> I don't see any reason why Apple Pay would use IP geolocation like that when it's running on a device that has GPS.

I don't think contactless Apple Pay actually uses device geo[1] for authorization, but it's still worth noting that iOS devices without cell connectivity (ie WiFi-only iPads) don't have GPS anyway.

You can use Apple Pay on websites in Safari, though, which IIRC doesn't require location permissions to work.

1. You have to be able to use it in the same places you'd use a normal card, which means you can't rely on network connectivity of any kind.

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ev13y ago

Some Visa cards do [1] now, https://pbs.twimg.com/media/FQyVcUHXEAMSKbt?format=jpg&name=... and can refuse authorisation if it's not sent.

Apple's statement was "to prevent the sharing of fraud prevention assessments with your payment card network, you may select another card". I removed my Visa cards from Apple Pay.

culturestateOP3y ago

I’d never come across that before, but quickly looking at the statement from Apple it seems like this only applies to browser and in-app purchases, not contactless transactions where you’re using your phone in lieu of a physical card:

"For cards with certain enhanced fraud prevention, when you attempt an online or in-app transaction, your device will evaluate information about your Apple ID, device, and location (if you have enabled Location Services), to develop fraud prevention assessments, which are used by Apple to identify and prevent fraud."