Ask an expert: Is Apple Pay safe?

Apple CEO Tim Cook introduces the new iPhone 6 and iPhone 6 Plus on Tuesday, Sept. 9, 2014, in Cupertino, Calif. (AP Photo/Marcio Jose Sanchez)

INDIANAPOLIS (WISH) – Apple Pay went live on Monday.

Instead of handing over a credit card, customers can swipe an iPhone 6 on specially installed readers at 200,000 retail stores.

The retailer never handles or even sees a credit card number.

Luke Klink is the Lead Security Analyst at Rook Security.

He says the potential for problems in any smartphone pay system is always there.

“I’m sure … there (are people) already starting to see how can they hack into this new payment system.”

Klink says the potential for problems in any smartphone pay system is always there.

“Apple has released the product. It’s our choice to choose to use it as a payment system. Our banks, we rely on them to keep us safe, and to have good fraud monitoring protection.”

But Klink says we need to do our part to keep our private information safe too.

“I would tell consumers just be wary of where you’re using those. And check your statements. Check your bills, keep your receipts. Make sure everything looks appropriate.”

Retailers from McDonalds to Macy’s are accepting Apple Pay.

Visa, Master Card and American Express have signed up.

Google actually introduced a similar system a couple of years ago. But it has been slow to catch on. Security fears are said to be the reason.

“The risk is always out there. Somebody, a hacker, malicious intent person, is going to want to get in your phone. They’re going to try everything they can to get into it,” says Klink.

Losing your phone is one fear when it comes to smartphone pay systems. Apple says you need to download the “Find my iPhone” app.

If the device is lost or stolen you can use the app to suspend Apple Pay and put the phone in lost mode. provides commenting to allow for constructive discussion on the stories we cover. In order to comment here, you acknowledge you have read and agreed to our Terms of Service. Commenters who violate these terms, including use of vulgar language or racial slurs, will be banned. Please be respectful of the opinions of others and keep the conversation on topic and civil. If you see an inappropriate comment, please flag it for our moderators to review.

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