Afaik (I'm not an expert here), Apple pay/Google pay et al generate a device specific Device PAN (essentiy a fake Id) of your card, and they only transfer a token to the merchant. I.e. the merchant does not see your actual card number, nor who you are. Apple/Google of course do..
Merchants can track DPANs to e.g. identify recurring purchases of you (without knowing who you are). But the same Credit Card on different devices will generate different DPANs...so you could add your one card to diff wallets to throw off the tracking a bit (not very practical though)
That's what I could find on the topic:
https://support.stripe.com/questions/how-do-card-numbers-work-with-apple-pay-and-google-pay-and-what-is-dynamic-last4
steepdawn974
npub18w…58w27
2024-08-06 07:45:14
in reply to nevent1q…6m7a
Author Public Key
npub18w5m3n6cpq4axlhvrpz4kf4mqjj87j5wsddvrrr75s6gvulwzc3s458w27Published at
2024-08-06 07:45:14Event JSON
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"content": "Afaik (I'm not an expert here), Apple pay/Google pay et al generate a device specific Device PAN (essentiy a fake Id) of your card, and they only transfer a token to the merchant. I.e. the merchant does not see your actual card number, nor who you are. Apple/Google of course do..\n\nMerchants can track DPANs to e.g. identify recurring purchases of you (without knowing who you are). But the same Credit Card on different devices will generate different DPANs...so you could add your one card to diff wallets to throw off the tracking a bit (not very practical though)\n\nThat's what I could find on the topic: \n\nhttps://support.stripe.com/questions/how-do-card-numbers-work-with-apple-pay-and-google-pay-and-what-is-dynamic-last4",
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