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 Roundups: iOS 15, iPadOS 15
Related Forum: iOS 15

Top Rated Comments

cmaier Avatar
9 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
9 months ago
So advanced it prevents you from preordering the iPhone.
Score: 13 Votes (Like | Disagree)
dwaltwhit Avatar
9 months ago
Frog protection?
Score: 8 Votes (Like | Disagree)
_Spinn_ Avatar
9 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)
LarrySW Avatar
9 months ago
Great idea. Already did it.
Score: 4 Votes (Like | Disagree)
LarrySW Avatar
9 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)

Related Stories

credit kudos apple

Apple Acquires UK Banking Startup in Potential Hint at International Apple Card Launch

Wednesday March 23, 2022 5:12 am PDT by
Apple has acquired Credit Kudos, a UK open banking startup that seeks to help lenders make better decisions (via The Block). Credit Kudos offers insights and scores based on loan applications drawn from transaction and loan outcome banking data, sourced by the UK's open banking framework. The company's API offers lenders a way to get faster, automated decision-making about loans with reduced ...
apple card 1

Some Customers Have Experienced Issues Pre-Ordering the iPhone 13 With an Apple Card [Updated]

Friday September 17, 2021 7:15 am PDT by
iPhone 13 and iPhone 13 Pro pre-orders started today, and while many customers have successfully placed their pre-orders, some have experienced issues when attempting to complete their purchase with an Apple Card or Apple Pay. Some customers have turned to Twitter to express their frustration with the pre-ordering process, sharing screenshots of errors that they received, such as "there was...
apple card 1 iPhone 13

Some iPhone Users Experiencing Issues With Apple Card Payments [Resolved]

Monday January 31, 2022 5:58 am PST by
If you have been experiencing issues with paying off your Apple Card today, you are not alone, as complaints are starting to mount online. As noted by Aaron Zollo, host of the YouTube channel ZolloTech, some users attempting to make a payment towards their Apple Card are receiving an "Account Services Unavailable" error that says "Apple Pay services are currently unavailable." It looks ...
mir russia apple pay

Apple Closes Loophole That Allowed Mir Cardholders to Use Apple Pay in Russia

Friday March 25, 2022 1:41 pm PDT by
Apple this week suspended its Apple Pay service for the Mir card payment system in Russia, effectively closing a loophole that had allowed Russians to continue to use the Apple Pay service. According to Reuters, Mir had remained connected to Apple Pay even after Apple restricted the use of the payments service in Russia on March 1 for Mastercard and Visa cardholders. Russia's National...
apple card feature2

Vivo Joins Android Brands Looking to Compete With Apple Card

Wednesday August 4, 2021 5:53 am PDT by
Chinese smartphone maker Vivo appears to be preparing "VivoCard" as a rival to Apple Card, following similar moves by Apple competitors Google, Samsung, Huawei, and Oppo. According to Chinese trademark filings from late last month seen by DroidMaze, Vivo is attempting to trademark "VivoCard." The trademark is filed under international classifications, meaning that the company hopes to use...
apple card discounts

Apple Promoting Exclusive Deals for Apple Card Users in the Wallet App

Wednesday August 4, 2021 6:13 pm PDT by
Apple this week began highlighting exclusive offers that are available for Apple Card holders, with the offerings presented right in the Wallet app when accessing the Apple Card. As noted by Bloomberg's Mark Gurman, Apple is offering Apple Card users free access to Apple News+ and unlimited coffee with any order from Panera bread. Looks like Apple is planning some sort of “Offers” ...
f1618938184

Apple Announces Apple Card Family for Sharing Apple Card With Spouses and More

Tuesday April 20, 2021 10:15 am PDT by
During its "Spring Loaded" event today, Apple announced that it would be expanding Apple Card to allow spouses to share accounts and enable families with members over thirteen years old to share a single Apple Card. Available in the US starting in May, Apple says Apple Card Family will enable families and spouses to co-own an Apple Card, and share and manage their credit lines independently, ...
apple card family

PSA: Apple Card Owners Won’t Be Able to Combine Existing Accounts Until July

Monday May 24, 2021 10:51 am PDT by
Following its announcement last month, Apple today officially flipped the switch to allow parents to share their Apple Card with their teenagers or friends and the ability for spouses to co-own a single Apple Card account. However, one notable feature that didn't get released today is the ability for two separate Apple Card accounts to be merged into one. Apple announced the feature last...

Popular Stories

anker 563 dock ports

Anker's Latest USB-C Docking Station Brings Triple-Display Support to M1 Macs

Wednesday May 18, 2022 7:06 am PDT by
While Apple's early M1-based Macs can only officially support a single external display, there are ways around the limitation. Anker is launching a new 10-in-1 USB-C docking station today which delivers just that. The Anker 563 USB-C dock includes two HDMI ports and a DisplayPort port, and it leverages DisplayLink to carry multiple video signals over a single connection. Given that this hub...
Prosser Series 8 3

Apple Watch Series 8 Rumored to Feature New Design With Flat Display

Wednesday May 18, 2022 6:21 am PDT by
The Apple Watch Series 8 could feature an all-new design with a flat display, according to the leaker known as "ShrimpApplePro." In his latest video on the YouTube channel Front Page Tech, Jon Prosser highlighted information from ShrimpApplePro that suggests the Apple Watch Series 8 could feature a flat display in what seems to be a design originally rumored for the Apple Watch Series 7. ...
apple ar headset concept 1

Apple's Headset Said to Feature 14 Cameras Enabling Lifelike Avatars, Jony Ive Has Remained Involved With Design

Friday May 20, 2022 6:50 am PDT by
Earlier this week, The Information's Wayne Ma outlined struggles that Apple has faced during the development of its long-rumored AR/VR headset. Now, in a follow-up report, he has shared several additional details about the wearable device. Apple headset render created by Ian Zelbo based on The Information reporting For starters, one of the headset's marquee features is said to be lifelike...
apple data auction iphone privacy ad

Apple Highlights iPhone's Latest Privacy Features in New 'Data Auction' Ad

Wednesday May 18, 2022 9:00 am PDT by
Apple today shared a new ad highlighting iPhone privacy features like App Tracking Transparency and Mail Privacy Protection that are designed to give users more transparency and control when it comes to their personal data being collected. The ad revolves around a young woman named Ellie who discovers that her personal data is being sold at an auction house, with bids being placed on her...
apple ar headset concept 2

Apple's AR/VR Headset Nearing Completion as Board Gets Demo

Thursday May 19, 2022 9:52 am PDT by
Apple last week demonstrated its upcoming AR/VR headset to Apple board members, indicating that the device is in an advanced stage of development and could see a debut in the not too distant future, reports Bloomberg. Apple has also ramped up development of the software that runs on the headset, with that software expected to be called "RealityOS," or rOS for short. Render via designer Ian ...