Apple Pay vs Google Pay handling of sensitive card info

A great high level overview of how credit card information is transfered/secured on Apple Pay vs Google Pay by @alexxubyte:

Both approaches are very secure, but the implementations are different. To understand the difference, we break down the process into two flows.


Apple needs to discuss the DAN details with banks. It takes time and effort, but the benefit is that the credit card info is on the public network only once. If you are an architect and have to choose between security and cost, which solution do you prefer?