Can an Apple Pay card be stolen?

Question

Information Security

Now the courier has arrived. The amount payable is 700 rubles. I logged in to my wallet on the iPhone with a fingerprint, attached it to the terminal - it asks for a pin code. Never asked before! Although I paid in stores for much larger amounts.

Now I read the limits :

Russia
For purchases over 1,000 Russian rubles, you may be required to sign a receipt or enter a PIN.

But the amount is not enough. It turns out, cheated! The courier assured that the threshold for the pin code was 500 rubles, while the official source claims that it was 1000.

From the very beginning, the action seemed suspicious, because. promised free shipping. I feel that the card data leaked through the reprogrammed terminal, which remembered the card data and pin code. Could it be?

Answer 1

We carefully read the article
https://habr.com/post/422551/
With contactless payment, your phone (or card) only signs a specific transaction and does not transmit the data of the card itself.

Answer 2

Everything is easier than you think.
The limits are sewn up by the acquiring bank to the terminal. If the bank servicing the terminal wants, then it can generally require a transaction for at least 1 ruble to be confirmed with a pin, or vice versa, allow any transactions with ApplePay without a pin for any amount. This is not a card setting (the card has one, but it is not a priority), not an Apple Pay setting, this is a terminal setting only
Yes, and when paying via ApplePay, the card number is substituted, and nothing can happen to your data
So relax, everything is ok