Apple Card Gains Advanced Fraud Protection in iOS 15

Starting with iOS 15, Apple Card owners can take advantage of a new Advanced Fraud Protection feature that is designed to keep ‌Apple Card‌ information more secure by changing the three-digit security code associated with the card on a regular basis.

apple card feature2
When enabled, Advanced Fraud Protection will cause the three digit security code used for making purchases online to change every so often, which protects you if your card details are compromised by an online merchant. Apple says that the feature will not impact recurring purchases and subscriptions.

Advanced Fraud Protection is a way to keep your Apple Card information even more secure. After turning on Advanced Fraud Protection, your three-digit Apple Card security code will change periodically after it's been viewed in the Wallet app or after it's been auto-filled from Safari.

You should check your security code each time you want to make a purchase with Apple Card to be sure you're using the most up-to-date code. You can also use Advanced Fraud Protection without affecting your recurring purchases and subscriptions, such as streaming services or memberships, because these merchants use your security code to authorize payment just once when you first sign up.

As outlined in new Apple Card support document, Advanced Fraud Protection can be enabled by following these steps:

  1. Open up the Wallet app and tap on ‌Apple Card‌.
  2. Tap on the card number icon and then authenticate with Face ID, Touch ID, or a passcode.
  3. Scroll down to the Advanced Fraud Protection option and toggle it on.

Advanced Fraud Protection can also be turned on using an iPad by following the same steps, but through the Wallet & Apple Pay section of the Settings app. Turning it off can be done by following the first two steps and then toggling off the feature.

You can tell that the option for a rotating security toggle is turned on when the clock icon is displayed next to the three-digit security code. Those who enable the feature will need to make sure to check their security code for each online transaction to make sure the most current code is being used.

apple card advanced fraud protection
Today's iOS 15 update also makes it easier to find an ‌Apple Card‌ number by opening up the Wallet app and tapping on the card icon, plus there's a redesigned ‌Apple Pay‌ payment sheet that allows users to more easily add new cards and coupon codes.

Related Forum: iOS 15

Popular Stories

iOS 19 visionOS UI Elements

iOS 19 to Have Some of the 'Biggest' Design Changes in iPhone's History

Sunday March 16, 2025 10:35 am PDT by
Apple is planning some of the "biggest iOS and macOS redesigns in its history," according to Bloomberg's Mark Gurman. In his Power On newsletter today, Gurman reiterated that iOS 19 will have a visionOS-like design with more transparent interfaces:The new interfaces will adopt the design principles introduced in visionOS, the software for Apple's Vision Pro headset. That includes greater...
iphone 17 pro asherdipps

iPhone 17 Pro Max Rumors Allegedly Refer to 'iPhone 17 Ultra' Model

Friday March 14, 2025 7:56 am PDT by
If you've been following iPhone rumors over the last few years, you may remember reading reports that Apple flirted with the idea of introducing a super high-end "Ultra" model that would either replace its Pro Max device or sit above it in Apple's smartphone hirearchy. These reports appeared in the pre-launch iPhone 15 and iPhone 16 rumor cycles, but ultimately came to nothing. Now though, the...
Bent iPhone Air Feature

Apple Canned Larger iPhone 17 Air Model Over Fears of Bendgate 2.0

Monday March 17, 2025 4:07 am PDT by
Apple prototyped a larger ultra-slim iPhone 17 Air with a 6.9-inch display, but ultimately decided not to go ahead with the device because of fears that it could be susceptible to bending, according to a new report. Bloomberg reporter Mark Gurman, writing in his latest Power On newsletter: When it first started work on the phone, it prototyped a device with a 6.9-inch screen — matching...
iphone 16 pro models 1

Apple's First Foldable iPhone Estimated to Cost Nearly Twice as Much as iPhone 16 Pro Max

Monday March 17, 2025 6:42 am PDT by
In an investor research note today with British bank Barclays, analyst Tim Long said Apple's first foldable iPhone could have a starting price in the $2,300 range in the United States, which would make it by far the most expensive iPhone model ever. If the first foldable iPhone starts at $2,299, that means it would cost nearly twice as much as the iPhone 16 Pro Max, which starts at $1,199. ...
iphone 16 pro ghost hand

Next Year's iPhone 18 Pro Already Rumored to Have Five New Features

Tuesday March 18, 2025 1:00 pm PDT by
While the iPhone 18 Pro models are still around a year and a half away from launching, there are already some early rumors about the devices. Below, we recap some key iPhone 18 Pro rumors so far. Under-Screen Face ID In April 2023, display industry analyst Ross Young shared a roadmap showing that iPhone 17 Pro models would feature under-display Face ID. In May 2024, however, Young said ...
General iOS Mail Feature

iOS 18.3.2 Broke iCloud Mail Delivery

Monday March 17, 2025 3:31 pm PDT by
The iOS 18.3.2 update that Apple released last week appears to have broken iCloud Mail for some users. There are multiple complaints on Reddit and the MacRumors forums from users who say that iCloud Mail is not able to push new iCloud emails to their iPhones after the iOS 18.3.2 update. Affected users say that despite having the correct settings enabled, new iCloud emails are not showing up...
iphone 16 pro models 1

All Four iPhone 17 Models Rumored to Feature Upgraded 24-Megapixel Front Camera and More

Monday March 17, 2025 7:50 pm PDT by
All four iPhone 17 models launching later this year will feature an upgraded 24-megapixel front-facing camera, according to analyst Jeff Pu. In a research note today with investment firm GF Securities, Pu shared a chart in which he reiterated that the iPhone 17, iPhone 17 Air, iPhone 17 Pro, and iPhone 17 Pro Max will each be equipped with a 24-megapixel front camera. By comparison, all four ...
iPhone 17 Air Size Feature

'iPhone 17 Air' Rumored to Start at $899 With Surprisingly Good Battery Life, Camera Control, and More

Sunday March 16, 2025 9:05 am PDT by
Bloomberg's Mark Gurman today shared some new details about the rumored iPhone 17 Air. In his Power On newsletter, Gurman said he was told that the device may start at roughly $899 in the U.S., which means that it would occupy the same price point as the iPhone 16 Plus. This would make sense, as it has been widely rumored that the Air model will take over the Plus model's spot in the iPhone...

Top Rated Comments

cmaier Avatar
46 months ago

So does this mess with websites that have your credit card saved? I’m thinking places like Amazon and PayPal?
No. Retailers are not allowed to save the code, so they only use it when initially verifying the card.
Score: 17 Votes (Like | Disagree)
TravelsInBlue Avatar
46 months ago
So advanced it prevents you from preordering the iPhone.
Score: 13 Votes (Like | Disagree)
dwaltwhit Avatar
46 months ago
Frog protection?
Score: 8 Votes (Like | Disagree)
_Spinn_ Avatar
46 months ago

No. Retailers are not allowed to save the code, so they only use it when initially verifying the card.
Thanks that’s kind of what I thought. I can’t really see any downsides to turning this on then.
Score: 5 Votes (Like | Disagree)
ProfessionalFan Avatar
46 months ago
Great idea. Already did it.
Score: 4 Votes (Like | Disagree)
ProfessionalFan Avatar
46 months ago

The US always seems behind credit card technology, for almost a decade now I've been able to have a virtual credit card on my issuer's app (tied to my physical card) that changes CVV every time I make a purchase. The virtual credit card can be turned off / back on with a tap at any moment, so you're not exposed to any type of charge unless you turn it back on, and you can cancel the card and generate a new one altogether on the fly as well.

Giving your physical, not easy changeable credit card number to a merchant sounds very unsafe and ancient, giving your permanent, not changing CVV sounds even worse, I guess it's good that Apple has this now.
I’ve done this with my citi card for several years in the US. Some cards have it.
Score: 4 Votes (Like | Disagree)