/tags/payments/ Recent bookmarks tagged #payments Tue, 10 Nov 2026 16:23:01 +0000 https://birchtree.me/blog/digital-wallets-and-the-only-apple-pay-does-this-mythology/ Apple Pay is great, but I think there is some misunderstanding out there about the details of how it works.<br/> <p><strong>Notes:</strong> HN: https://news.ycombinator.com/item?id=39844960 Interesting comment: https://news.ycombinator.com/item?id=39847221 Something that's missing from all of these discussions is that transactions on Apple Pay (and all similar wallets like Google Pay, Samsung Pay etc.) are now just as trackable as those done using the underlying card number. While the DPAN is unique to a given device, the merchant's payment service provider these days can receive a unique identifier called PAR in the authorization response from the card network. That identifier is consistent across all DPANs for the same card (and aspirationally even across card number changes on the same underlying account).</p><br/> <p><strong>Tags:</strong> #payments #privacy</p> Thu, 28 Mar 2024 08:13:30 +0000 linkding-ssg:bookmark:52 payments privacy