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

Top Rated Comments

cmaier Avatar
34 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
34 months ago
So advanced it prevents you from preordering the iPhone.
Score: 13 Votes (Like | Disagree)
dwaltwhit Avatar
34 months ago
Frog protection?
Score: 8 Votes (Like | Disagree)
_Spinn_ Avatar
34 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
34 months ago
Great idea. Already did it.
Score: 4 Votes (Like | Disagree)
ProfessionalFan Avatar
34 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)

Popular Stories

maxresdefault

Apple Announces 'Let Loose' Event on May 7 Amid Rumors of New iPads

Tuesday April 23, 2024 7:11 am PDT by
Apple has announced it will be holding a special event on Tuesday, May 7 at 7 a.m. Pacific Time (10 a.m. Eastern Time), with a live stream to be available on Apple.com and on YouTube as usual. The event invitation has a tagline of "Let Loose" and shows an artistic render of an Apple Pencil, suggesting that iPads will be a focus of the event. Subscribe to the MacRumors YouTube channel for more ...
Apple Silicon AI Optimized Feature Siri

Apple Releases Open Source AI Models That Run On-Device

Wednesday April 24, 2024 3:39 pm PDT by
Apple today released several open source large language models (LLMs) that are designed to run on-device rather than through cloud servers. Called OpenELM (Open-source Efficient Language Models), the LLMs are available on the Hugging Face Hub, a community for sharing AI code. As outlined in a white paper [PDF], there are eight total OpenELM models, four of which were pre-trained using the...
iOS 18 Siri Integrated Feature

iOS 18 Rumored to Add These 10 New Features to Your iPhone

Wednesday April 24, 2024 2:05 pm PDT by
Apple is set to unveil iOS 18 during its WWDC keynote on June 10, so the software update is a little over six weeks away from being announced. Below, we recap rumored features and changes planned for the iPhone with iOS 18. iOS 18 will reportedly be the "biggest" update in the iPhone's history, with new ChatGPT-inspired generative AI features, a more customizable Home Screen, and much more....
Apple Vision Pro Dual Loop Band Orange Feature 2

Apple Cuts Vision Pro Shipments as Demand Falls 'Sharply Beyond Expectations'

Tuesday April 23, 2024 9:44 am PDT by
Apple has dropped the number of Vision Pro units that it plans to ship in 2024, going from an expected 700 to 800k units to just 400k to 450k units, according to Apple analyst Ming-Chi Kuo. Orders have been scaled back before the Vision Pro has launched in markets outside of the United States, which Kuo says is a sign that demand in the U.S. has "fallen sharply beyond expectations." As a...
iPad And Calculator App Feature 1

Apple Finally Plans to Release a Calculator App for iPad Later This Year

Tuesday April 23, 2024 9:08 am PDT by
Apple is finally planning a Calculator app for the iPad, over 14 years after launching the device, according to a source familiar with the matter. iPadOS 18 will include a built-in Calculator app for all iPad models that are compatible with the software update, which is expected to be unveiled during the opening keynote of Apple's annual developers conference WWDC on June 10. AppleInsider...