The Cupertino tech giant has updated the Apple Pay payment service with an enhanced fraud prevention feature for Visa cards added to the Wallet app. The feature is rolling out to Visa users worldwide. It is currently not available for MasterCard or American Express cards.
The new feature will allow the payment service to develop a “fraud prevention assessment” whenever Apple Pay is used to make an online purchase. Wallet app users were notified of the changes on Tuesday and it was also spotted by users who saw a new prompt upon opening the Wallet app.
Apple Pay now creates a Fraud Prevention Assessment when an online purchase is made by default
Integrated with the Wallet app, Apple Pay is a wireless payment service that allows users to add their credit/debit card to the digital wallet to make quick payments via a single tap at retail stores or with face/touch ID authentication at online stores.
Now, when Apple Pay is used to make an online payment through Visa cards in the Wallet app, the device will generate fraud prevention assessments to prevent fraud. However, the feature is enabled by default and users can not disable it. The alert reads:
“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.”
As the feature is designed to identify and prevent fraud, Apple says that the assessment and the information regarding a transition will be shared with card networks.
iOS 15 introduced the ‘Advanced Fraud Protection’ option for Apple Card to keep users’ information more secure. When enabled, the Advanced Fraud Protection feature changes the three-digit Apple Card security code periodically after it has been auto-filled from Safari or viewed in the Wallet app.