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I hope what you take away from this post is that while Apple Pay is a great way to pay for things and that Apple did a great job mainstreaming digital wallets like this, what they do is not unique in the industry. DPANs are great for making it harder to track one person’s purchases across multiple merchants and they make customers less at risk in the event of a data breach of payment card info.
@matt@isfeeling.social has the deets only an industry insider would know and only a blogger could explain to this crowd.