Apple Pay is a contactless mobile payment scheme that allows users to make purchases at points of sale with their phones. The only point of failure is on the card-holder’s mobile device, not on an Apple server that could be targeted by attackers. Apple Pay will not prevent malware attacks on point-of-sale terminals, but it will make the data on those PoS terminals less valuable to attackers. It also shifts most of the responsibility for payment security off of retailers themselves, and onto Apple.”]
Source: https://www.darkreading.com/attacks-breaches/apple-pay-ups-payment-security-but-pos-threats-remain