Apple Pay activated without my knowledge

Jeff Donald wrote:

Is that card also the card you use for your Apple Account (formerly known as Apple ID)?

Yes.

It’s possible that during the setup of the new iPhone you inadvertently added the card to your Apple Wallet for use with Apple Pay. There is a section in new iPhone setup that asks about payment methods (cards) and it’s possible you accidentally linked it at that point.

I'm breaking my brain trying to remember the exact process. I pulled everything over from the backup of my old phone so there was virtually no setup to do. I could swear there were no prompts about setting up payment or Apple Pay or anything like that. I'm very careful with such things and would normally read those prompts very carefully.

However you're probably right. I guess I must have hit OK to something without realizing. It's the only thing that makes sense. The only alternative is that Apple automatically added my Apple Account card to Apple Pay without asking, and I can't imagine that happening... that would be extremely bad.

Chattanoogan wrote:

It might appear that your card was listed in that “Payment Methods” listing as “available” for ApplePay but not yet actually setup in ApplePay.

Only by going into your never-opened Wallet App can you see what payment methods ARE setup in ApplePay.

There's no question that the card was actually set up. The whole purpose of the bank's letter was to let me know the card was set up in Apple Pay. It tells me specifically which card number was used, and all the different ways I can make use of Apple Pay now that it has been activated.

I already deleted the card from Apple Pay settings so unfortunately it's too late to check the Wallet app.

It’s impossible for a card to be setup in ApplePay on your phone w/o your knowledge and explicit multi-step action.

That's what I thought, which is why I'm so perplexed. Going into Apple Pay and entering a credit card is not something I could have done accidentally. In fact, I've never even looked at the Apple Pay settings because I've never used Apple Pay and have no interest in using it. I simply imported the settings from my old phone and carried on. I wasn't prompted to re-enter the card linked to my Apple ID or anything similar, and wasn't prompted with any questions about whether I wanted to set up Apple Pay, so I have no explanation.

I've deleted the card out of Apple Pay settings and from what I read that's all I need to do to "turn off" Apple Pay. I will check with the bank too though to be safe.

Jeff Donald wrote:

Apple Pay isn’t in settings.

Well that's where Apple says the setting are:

"Customize your Wallet & Apple Pay settings

1. Go to Settings  > Wallet & Apple Pay."

So that's what I did, and that's where I removed my card from Apple Pay. And it had no effect on my Apple account, the card is still active there.

As for the Wallet app, it's buried somewhere in my unused apps and has never once been launched on any phone I've owned. Which is the whole point... how did Apple Pay become active with my credit card number when until just now I didn't even know where the settings were to set it up, and have never once opened the Wallet app?

It can't be a coincidence that Apple Pay became active the same day that I moved my setting over to a new phone. Just trying to figure out how it could have happened.