How Apple Pay handles a canceled credit card [Updated]
Update: OP on Reddit adds that the cards was already registered. Womp womp.
Apple Pay is easy, convenient, and instantly popular enough that its rivals are already trying to kill it through collusion. Of course that's when you're making purchases. How easy is it to deal with things like canceled credit cards? Apparently, very easy, thanks to this story from Reddit user aiken_.
In a post on Reddit's Apple forum aiken_ described exactly what happened when a card on your Apple Pay account gets canceled. Apparently the card gets updated with its new number.
This morning, I had three Citi cards in Apple Pay: two credit, one debit.
This afternoon, I got the dreaded fraud detection call and confirmed that it was not, in fact, me that was simultaneously using the card at several Best Buys in several states thousands of miles away.
On the phone, the Citi rep canceled the affected card and ordered a new one to be FedEx'd. So far so good.
Immediately upon hanging up, my phone had a notification saying "Apple Pay: your default card has been switched to [non-stolen Citi credit card]." Pretty smooth, and really good attention to detail in the EMVco and/or Apple Pay design.
Rather than make you enter the new card number, Apple Pay will be automatically updated to replace the lost, canceled, or stolen card number for you. It's stressful enough to have to replace a card, but in this case Apple Pay makes is so you can start using your new card, even before the physical version arrives at your house. Especially for travelers this is a feature that makes Apple Pay a killer app in the mobile payment field. No wonder their competitors are worried.
