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May 19, 2024

What is a Device Account Number?

When a card is added to Apple Pay, a device account number (DAN) is assigned. During a payment, your device sends the DAN along with a transaction-specific dynamic security code to the app or website. Neither Apple nor your device ever shares your actual payment card number with the merchant. When you use Apple Pay in apps or on websites, your card information is encrypted and sent to the merchant using a secure communication channel. This helps protect your card details from prying eyes. To ensure only the app or website that you're paying with can decrypt your payment information, a developer-specific key is used to verify their domain. The app or website uses the key to decrypt your card information and send it back to you.

The DAN is also uniquely assigned to your device and separate from the number on your plastic card. This means that if the DAN is compromised, it won't be able to be used to make fraudulent payments, because it is only associated with the device. The DAN is displayed on your receipt, in place of the last four digits of the plastic card number, when you use Apple Pay. You can also view the DAN in Wallet by tapping the card and selecting the i symbol.

How is my payment card number protected with Garmin Pay?

Garmin Pay is a mobile payment service available on select Samsung devices. When you make a purchase in an app or on a website with Garmin Pay, your card number isn't shared with the merchant. Instead, a unique Garmin Pay DAN is assigned to your device. When you make a payment, the DAN is transmitted to the app or website for processing and the transaction-specific dynamic security code is used to validate the payment. Neither your card number nor your card PIN is shared with the merchant.

To protect your card information, a device account number is assigned when you add a card to Apple Pay. When you make a payment, the Device Account Number is sent to the bank for authorization, replacing the actual card number. The actual card number is never stored on your device, nor is it backed up to iCloud or anywhere else. The Device Account Number is securely stored in the Secure Element, an industry-standard, certified chip that is isolated from iOS and watchOS, and is never accessed or stored on Apple servers.