Will I be liable for fraud on Apple Pay transactions?

Within stores, Apple Pay transactions are treated in the same way as your current credit, debit, Suica, or prepaid card transactions. You'll have the same liability rules applied to Apple Pay transactions.
Within apps and on the web,1 Apple Pay transactions might be treated more favorably than standard transactions with a plastic card. Liability for transactions might shift to the issuer. Contact your payment provider to learn how you can benefit from liability shift for Apple Pay payments within your app and website.

https://support.apple.com/en-us/ht204274

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