When a user adds a card to Apple Pay or Google Pay, the actual PAN is not stored on the device or shared with merchants. Organizations must implement robust measures such as encryption and tokenization to prevent unauthorized access.
Apple Pay and Google Pay: How PAN Tokens Keep Your Primary Account Number Secure
Unlike the Card Verification Value (CVV), which is a security feature designed to prove physical possession of the card, the PAN identifies the account itself. Masking the PAN, where only the first six and last four digits are displayed on receipts or user interfaces, is a common practice to mitigate the risk of fraud in non-secure environments.
Similarly, while the expiration date indicates the card’s validity period, the PAN remains the constant identifier linked to the underlying financial account throughout the life of the card, barring specific account closure or migration events. Systems must be designed to handle the secure capture, storage, and retrieval of these numbers while adhering to regulatory requirements.
Apple Pay and Google Pay: How PAN Tokens Secure Your Primary Account Number
Instead, a device-specific account number, or token, is created to represent the card. Proper management reduces the likelihood of data breaches and helps maintain the trust of customers who rely on the security of their financial information.
More About Pan primary account number
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