Hi, I read this http://www.tuaw.com/2014/10/02/apple-pay-an-in-depth-look-at-whats-behind-th... It all claims to be "more secure" etc. There are a few questions though. Okay, the claim, "Apple never stores the credit card info" .. well, you have to believe that. If you have the NSA snooping between Apple and Mastercard/Visa - they will have it;-) (if it is not securely encrypted) You just have to log the the conversation to add a new card and returning the token. Secondly, all information used in a transaction comes from the phone (token, finger print or PIN and CVV) How secure is this? A dedicated card has nothing do download/install apps which makes it a bit more difficult to get the information on the chip. I guess I would try to write an app to get "under the skin" to retrieve the information from the phone. What are your thoughts? Regards Peter