Came across this great visual breakdown comparing how Apple Pay and Google Pay handle credit card info. Apple uses on-device chip storage and creates a Device Account Number (DAN), while Google stores payment tokens via its servers. Curious—what do you all think is more secure, and why?

From the looks of it, Apple seems to be the real secure payment system whereas Google seems to still track all of your payments data.

I’ve heard both are more secure than using the card by itself because they don’t share your real card number to the merchant, but I want to know which one I should use in the first place from the perspective of someone who cares about privacy and security. Apple Pay seems to be in more apps, and Apple is generally better in terms of privacy. I do have an old iPhone SE 2016 that I can carry around if Apple Pay is really the better alternative or if I decide to move away from the stock ROM on my Pixel 5 (Google Pay won’t work on GrapheneOS or other custom ROMs). My main question is, is there a benefit to using one platform over another in terms of privacy and security, and is it worth carrying an iPhone around if Apple Pay is really the better option? Thanks for reading, and I hope you have a good one!

I only have a couple of credit cards and I worry that my card info could be compromised if I use it at a convenience store or something.

Point is, would it be safer to tap my phone using Google wallet or Apple pay rather than insert my physical credit card where the information could be duplicated?