The Last Four Digits on Apple Pay

Today the cashier accidentally took a bigger amount than he was supposed to, and I was surprised at the last four digits. They were not my card’s four digits!

Apparently Apple creates their own four digits, and you can even see them on the app.

i have two questions:


  1. If I add my physical card info, will the last four digits be the same?
  2. Why can’t I see the other four blocked numbers? It looks like this: **** 1234. Why?

iPhone 14 Plus, iOS 26

Posted on Oct 8, 2025 6:09 AM

Reply
Question marked as Top-ranking reply

Posted on Oct 8, 2025 6:41 AM

Apple is actually blind in the process and can only see encrypted card information. Only your bank has the key and Apple cannot decrypt the details.


Your bank creates a unique card number called a DPAN (Digital Primary Account Number). The expiration date and CVV security code are also different from your physical card.


For security reasons the full card number is only known to the issuing bank. Typically they will not disclose the full number.


1 reply
Question marked as Top-ranking reply

Oct 8, 2025 6:41 AM in response to Not_British

Apple is actually blind in the process and can only see encrypted card information. Only your bank has the key and Apple cannot decrypt the details.


Your bank creates a unique card number called a DPAN (Digital Primary Account Number). The expiration date and CVV security code are also different from your physical card.


For security reasons the full card number is only known to the issuing bank. Typically they will not disclose the full number.


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The Last Four Digits on Apple Pay

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