Re: ok, i'm a stick the mud
ApplePay is a lot more secure than physical credit cards as no credit card information is kept on the phone or transmitted during a transaction (for Android Pay I'm not sure ifGoogle maintains user credit card numbers anywhere on their servers now - that used to be the case with Google Wallet; I'm pretty sure Samsung's Payment system, because it needs to emulate a traditional magnetic credit card, keeps CC info somewhere - and is, thus, an invitation for hacking).