February 2026
Intermediate to advanced
115 pages
2h 35m
English
Content preview from Take Control of Apple Wallet
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Use Apple Pay
For all the talk of payment cards, we should probably talk about the actual act of payment. Apple Pay is Apple’s branded name for using the EMV standard over NFC, which is effectively the same as the EMV standard used in chip-based technology in physical cards that can “dip” or tap to pay.
As noted in the previous chapter, Apple Pay never sends the credit card number assigned to a physical card, nor the current number listed for an Apple Card for manual entry (see Access an Apple Card). The system instead generates a transaction-based token that is effectively useless if stolen; read the sidebar for more technical details.
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I'm always learning. So when I got on to O'Reilly, I was like a kid in a candy store. There are playlists. There are answers. There's on-demand training. It's worth its weight in gold, in terms of what it allows me to do.