How does Apple Pay™ protect my payment information? When you complete a transaction using Apple Pay™, your name, card number, and security code stay private. You don't give your physical card to anyone, and Apple doesn't share your actual card numbers with retailers. Instead, they receive a transaction-specific code to process your payment, and because that code can only be used once, your accounts are better protected against fraud. If there is a fraudulent charge, Visa's Zero Liability policy1 protects you.