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Why is Tap to Pay available only for merchants?
(developer.apple.com)
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this post was submitted on 20 Dec 2023
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Just speculation but perhaps it would be easy for credit card criminals to steal money quickly? Steal a card. Tap to pay. Use the funds to buy Amazon gift card or whatever. Ditch the apple account. Rinse and repeat.
some small amounts may be paid before unlocking (at least on android)