QUOTE(splinter @ Jan 22 2023, 02:10 PM)
So far is it safe to use Apple Pay? In term on security strength. Nowadays too many fraud/cons cases, bit scare on too convenient payment method.
I mean considering PayWave is unsecure as shit(Anyone can just get a PayWave capable terminal, swipe on your banks, wallet etc etc and RM250 without limit till the daily limit of PayWave hits) an added layer to use authentication on AP to access the function seems like a no brainer no? Also if a merchant supports AP (Not Wave but direct integration), all the payment information sent to the merchant is your device's account number, exp date and CVV. Let's say the merchant database got breached(Considering even Microsoft/Google gets breaches from time to time, not saying Apple won't do the same but considering their track record..

), the leaked database will only contain your device's account number and not your actual card info (PayWave directly reports your card number, exp date and CVV to the merchant terminal/site without masking it with device's account number, anyone can just get your card info, do some social engineering and bing, minus whatever in your account

. This also applies to SP/GP with the minus of the benefit wheres there's no artificial RM250 limit.
Also about DC support in certain banks in Malaysia..
IF other countries like SIngapore supports both Debit/Credit, there's no reason that any of those banks in SG can't do the same in MY, there's 100% politics/kedekut-cy at play here where they don't even want to accept that low of a rate. In SG, all the banks literally supports both CC/DC, meanwhile only Maybank is the one supporting locally. Won't be surprised if other banks never supports DC or maybe Maybank even pulling DC support. Hopefully they don't but :/