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Comment by fingerlocks | Hacker News Reader

Using Apple Pay would circumvent the CC tracking because it only transmits a one-use number.

Unfortunately (from some perspectives), this isn’t true. Each instance of a card in Apple Pay has a long term Device Account Number (DAN) that functions the same as a physical card’s number (though there is no link between the DAN and actual card number from the merchant’s perspective). The same DAN is used across every transaction. The only way to get a new one (which is pretty easy, relatively speaking) is to unload the card from Apple Pay then re-enroll.

Was not aware, thanks for the clarification.

I've been wondering about returns lately using Google Pay consistently. It seems with returns they often ask 'do you have the card used for the purchase?', but with one-time numbers I don't know if the card will be recognized. My last several purchases I don't recognize the last 4 at all, and wouldn't be able to exclaim, 'yes, that's my card'

While returns are made more complicated by Google and Apple Pay, the card numbers aren’t single-use (which I’m not sure if you mean to imply is the case with google pay today). On both iOS and Android you can view the last few digits of the Device/Virtual Account Number.

I don’t have an Android device to test these instructions on but they seem plausible and corroborated: https://supportcentre.natwestinternational.com/Searchable/91...

When I made a return for an Apple Pay purchase at Target, they saw that the transaction was marked “Tapped” as card type and took my word for which card was correct. Who knows how long that’ll last. Where I really expect to run into problems down the line is when I try to take advantage of the insurance benefits offered by cards and can’t produce an invoice/receipt with the expected card number on it.

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