Tuesday, December 13, 2022

Apple Pay Expiration Dates

Adam Engst:

Apple Pay’s tokenization process prevents Stripe, our payment processor, from knowing the expiration date for the actual card. Instead, Stripe—and the Paid Memberships Pro plug-in that we use to manage TidBITS accounts—displays a seemingly random expiration date from the tokenized card. The problem is purely cosmetic and doesn’t block transactions in any way.

[…]

This date quirk is the first downside of using Apple Pay instead of a straight credit card transaction that I’ve seen. In all other ways, Apple Pay’s tokenization of credit card data is a good thing because it significantly increases security.

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