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How To Remove Credit Cards from Apple Pay If Your iPhone 6 Is Stolen

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How To Remove Credit Cards from Apple Pay If Your iPhone 6 Is Stolen

Your iPhone 6 has been stolen. You’re panicking. It has all your credit and debit cards stored in Apple Pay. Here’s what you do next


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By all accounts, Apple Pay is fast becoming a hit in the US. Reviews from tech pundits and users universally praise Apple’s mobile payments wallet for its simplicity, security, and ease of use. But what happens if your iPhone is stolen with all your credit and debit cards loaded on it? Thankfully there are a number of security features built into the iPhone itself, and the Apple Pay software, that will most likely prevent your cards from being used. 

Apple has created a way to remotely wipe your cards from any Apple Pay device too, just to be 100% certain. In this article we’ll look at the security features of Apple Pay and tell you how to remote wipe your cards should the worst happen.

Touch ID and the Secure Element 

The good thing about Apple Pay is that even if your device was stolen there is very little chance the thief would ever be able to use your debit or credit cards. That’s because Apple Pay has some pretty bulletproof security built in. 

When you add your debit and credit card info to Apple Pay the card info is encrypted in a special processor called the Secure Element, which is segregated from the rest of the hardware and software on your device. Furthermore, once you’ve added all your payment cards their numbers are actually no longer stored in your iPhone. Instead a unique Device Account Number is assigned to each payment method and encrypted and securely stored in the Secure Element. No other app or part of the iPhone’s hardware –– other than the Touch ID –– can grant access this Secure Element.

The only way the Secure Element can be unlocked is by using the Touch ID. And unless you’ve let someone else register their fingerprints on your iPhone, the chances are next to nothing that someone could fake your fingerprint to unlock your device and the Secure Element using Touch ID. And without a fingerprint authentication, paying for a transaction via Apple Pay will not work.

Tokenisation Adds Even More Security 

Speaking of paying via Apple Pay…Apple has added more security into that part of its mobile wallet too. When you make a payment using Apple Pay, the aforementioned Device Account Number of your payment method is combined with a “transaction-specific dynamic security code” to create a token that is the only number shared with the merchant. This token is enough to approve the transaction but that’s literally it. The merchant never gets access to your credit or debit card number, its CVV code, or even your name.

See what I mean when I say Apple Pay is secure? But still, if your iPhone 6 is lost or stolen it just may give you peace of mind to wipe your payment methods from it anyway. Here’s how to do that… 

How To Remotely Wipe Your Credit And Debit Cards From Apple Pay 

  1. Go to www.icloud.com from any browser on your Mac or PC.
  2. Log into iCloud.com with your iCloud user name and password that is associated with the lost or stolen iPhone or iPad you want to remotely wipe your credit and debit cards from.
  3. Click the Settings icon.
  4. Under the “My Devices” header you’ll see a list of all your registered Apple devices. Any that support Apple Pay will have a small Apple Pay logo next to the name of the device. Click on the device that you want to remove your credit and debit cards from.
  5. On the device details screen you’ll see a list of all the credit and debit cards loaded onto that device. Below them you’ll see a blue “Remove All…” link. Click it.
  6. In the dialog box that appears you’ll be asked if you are sure you want to remove all your cards on the device. Click the Remove button to do so. 

A few notes about removing your credit and debit cards this way:

  • It may take a few minutes to remove all your cards from your device.
  • You cannot remove just a single card. Remote removal is all or none.
  • You can add the removed cards to the same device again if you find it later. To do so you just need to go through the normal Apple Pay setup procedure.
  • Removing cards from your device does not cancel the cards with your bank or credit card issuer.
  • Removing cards from your device does not notify your bank or credit card issuer in any way. If you want to cancel your cards you still need to contact your bank or credit card issuer.

Or You Can Go Nuclear… 

The above steps only show you how to remove debit and credit cards from a lost or stolen iPhone. Everything else on your missing device will remain in place. But if your iOS device really has been stolen it’s best to pull out the nuclear option and not just wipe the credit and debit card info from your device, but wipe EVERYTHING from it. 

To do that simply go to iCloud.com as per the steps above, but instead click the Find My iPhone button. Click on your device and then click the Erase button. Confirm you want to erase your device and every single thing on it will be erased, including your Apple Pay payment methods. But know that erasing your iPhone in this manner means you won’t be able to track its location any longer. 


Michael Grothaus

13:01, 18 Nov 2014

Your iPhone 6 has been stolen. You’re panicking. It has your whole credit score and debit playing cards saved in Apple Pay. Here’s what you do subsequent

User guides

By all bills, Apple Pay is rapid changing into a success in the United States. Reviews from tech pundits and customers universally reward Apple’s cellular bills pockets for its simplicity, safety, and straightforwardness of use. But what occurs if your iPhone is stolen with all of your credit score and debit playing cards loaded on it? Thankfully there are a variety of security measures constructed into the iPhone itself, and the Apple Pay device, so one can in all probability save you your playing cards from getting used. 

Apple has created a approach to remotely wipe your playing cards from any Apple Pay software too, simply to be 100% sure. In this newsletter we’ll take a look at the safety options of Apple Pay and inform you the right way to far flung wipe your playing cards will have to the worst occur.

Touch ID and the Secure Element 

The advantage of Apple Pay is that although your software used to be stolen there's little or no probability the thief might ever have the ability to use your debit or bank cards. That’s as a result of Apple Pay has a few lovely bulletproof safety inbuilt. 

When you upload your debit and bank card information to Apple Pay the cardboard information is encrypted in a unique processor referred to as the Secure Element, that is segregated from the remainder of the hardware and tool for your tool. Furthermore, when you’ve introduced all of your cost playing cards their numbers are in reality now not saved on your iPhone. Instead a singular Device Account Number is assigned to each and every cost way and encrypted and securely saved within the Secure Element. No different app or a part of the iPhone’s hardware –– as opposed to the Touch ID –– can supply get entry to this Secure Element.

The most effective means the Secure Element can also be unlocked is via the use of the Touch ID. And until you’ve allow anyone else sign in their fingerprints in your iPhone, the likelihood is that subsequent to not anything that somebody may just pretend your fingerprint to unencumber your software and the Secure Element the use of Touch ID. And and not using a fingerprint authentication, buying a transaction by means of Apple Pay won't paintings.

Tokenisation Adds Even More Security 

Speaking of paying by the use of Apple Pay...Apple has introduced extra safety into that a part of its cellular pockets too. When you are making a cost the use of Apple Pay, the aforementioned Device Account Number of your cost way is mixed with a “transaction-particular dynamic safety code” to create a token that may be the one quantity shared with the service provider. This token is sufficient to approve the transaction however that’s actually it. The service provider by no means will get get right of entry to on your credit score or debit card quantity, its CVV code, and even your identify.

See what S imply while S say Apple Pay is safe? But nonetheless, in case your iPhone 6 is misplaced or stolen it simply would possibly come up with peace of thoughts to wipe your cost strategies from it besides. Here’s how to try this... 

How To Remotely Wipe Your Credit And Debit Cards From Apple Pay 

  1. Go to www.icloud.com from any browser in your Mac or PC.
  2. Log into iCloud.com together with your iCloud consumer identify and password that may be related to the misplaced or stolen iPhone or iPad you wish to have to remotely wipe your credit score and debit playing cards from.
  3. Click the Settings icon.
  4. Under the “My Devices” header you’ll see an inventory of all of your registered Apple units. Any that give a boost to Apple Pay may have a small Apple Pay emblem subsequent to the identify of the tool. Click at the software that you wish to have to take away your credit score and debit playing cards from.
  5. On the tool main points monitor you’ll see an inventory of all of the credit score and debit playing cards loaded onto that software. Below them you’ll see a blue “Remove All...” hyperlink. Click it.
  6. In the conversation field that looks you’ll be requested in case you are positive you wish to have to take away all of your playing cards at the software. Click the Remove button to take action. 

S few notes approximately eliminating your credit score and debit playing cards this manner:

  • It would possibly take a couple of mins to take away your whole playing cards from your tool.
  • You can not do away with only a unmarried card. Remote removing is all or none.
  • You can upload the got rid of playing cards to the similar tool once more for those who in finding it later. To achieve this you simply want to pass in the course of the standard Apple Pay setup process.
  • Removing playing cards from your tool does now not cancel the playing cards together with your financial institution or bank card provider.
  • Removing playing cards from your tool does now not notify your financial institution or bank card provider by any means. If you wish to have to cancel your playing cards you continue to want to touch your financial institution or bank card provider.

Or You Can Go Nuclear... 

The above steps most effective display you ways to take away debit and bank cards from a misplaced or stolen iPhone. Everything else in your lacking software will stay in position. But in case your iOS software in reality has been stolen it’s easiest to tug out the nuclear choice and now not simply wipe the credit score and debit card information from your tool, however wipe EVERYTHING from it. 

To do this merely pass to iCloud.com as in line with the stairs above, however as an alternative click on the Find My iPhone button. Click for your software after which click on the Erase button. Confirm you wish to have to erase your tool and each and every unmarried factor on it's going to be erased, together with your Apple Pay cost strategies. But recognize that erasing your iPhone on this method way you gained’t be capable of monitor its region to any extent further. 

Michael Grothaus 13:01, 18 Nov 2014
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