

Researchers in the UK have demonstrated how hackers could steal money from your Visa card using Apple Pay Express Transit mode. This mode allows your card to be accessed without having to use Face ID or your passcode and is designed to allow users to effortlessly pass through transit gates, such as those on the London Underground and the New York City subway, which allow contactless pay via a credit card.
Apple Pay has been considered to be resilient to hackers, as it uses a token account number for purchases rather than your actual credit card number and requires your Face ID on an iPhone to pay, or a double tap on an Apple Watch. The Express Transit mode allows the iPhone to bypass this second phase of security by broadcasting a signal to the iPhone.
By replicating that signal, the researchers were able to obtain the card data to make payments on regular contactless card machines. They were also able to bypass the low payment limit set for contactless payment. However, this was only possible when a Visa card was tied to the Express Transit account – when a Mastercard was used, it didn’t work. It also didn't work when using a Visa card on a Samsung phone.
- Best cheap Apple TV sales, deals and prices for September 2021
- iPhone 13 review: a phone for everyone
- iPhone 13 Pro Max review: the ultimate iPhone
The research is summarized on a new website, which explains the findings of the test. It advises iPhone users to 'not use Visa as a transport card in Apple Pay.' It also states that 'if your iPhone is lost or stolen, activate the Lost Mode on your iPhone, and call your bank to block your card.'
There is good news though. Firstly, even if you have a Visa card on your Apple Pay, you need to manually activate the Express Transit mode for this to be possible – it’s turned off by default. The second is that this danger is theoretical and hasn’t been happening in the real world (as far as we know).
Also, now that this information is widely known, we can expect a solution to stop this happening – either from Visa or from Apple. And in the meantime, Visa offers zero-liability protection for any unauthorized payments.
How to turn off Express Transit mode
If you want to make sure your card can’t be accessed, on your iPhone, go to Settings>Wallet & Apple Pay and click on your Visa card. In the card information you will see an option for Express Transit. Click this and select None.
Sign up to the T3 newsletter for smarter living straight to your inbox
Get all the latest news, reviews, deals and buying guides on gorgeous tech, home and active products from the T3 experts
As T3's Editor-in-Chief, Mat Gallagher has his finger on the pulse for the latest advances in technology. He has written about technology since 2003 and after stints in Beijing, Hong Kong and Chicago is now based in the UK. He’s a true lover of gadgets, but especially anything that involves cameras, Apple, electric cars, musical instruments or travel.
-
Apple TV gets a free update that makes it more simple to use
Apple has released tvOS 18.4 with a few design tweaks for its TV boxes
By Rik Henderson Published
-
Tired of a bad lower back? Bulletproof it with these three simple exercises
A fitness expert shares three easy moves you can do straight from the comfort of your home
By Bryony Firth-Bernard Published
-
Apple TV gets a free update that makes it more simple to use
Apple has released tvOS 18.4 with a few design tweaks for its TV boxes
By Rik Henderson Published
-
Your iPhone gets some new tricks - here’s what it can do now
The new emojis and priority notifications are probably our favourite
By Britta O'Boyle Published
-
Older iPhones at risk of being left behind when iOS 19 arrives – is your device one of them?
Apple will reportedly drop three iPhone models when it comes to the iOS 19 update
By Carrie Marshall Published
-
Your next MacBook Pro could be a game-changer for three good reasons
Apple will reportedly upgrade next year's MacBook Pro in three major ways
By Rik Henderson Published
-
M5 iPad Pro on schedule for release this year, claims expert
Apple's best tablet is reportedly getting even more power in late 2025
By Carrie Marshall Published
-
New evidence suggests Apple's taking its foldable iPhone seriously
And it might bring something different to the party too
By Britta O'Boyle Published
-
EU paves the way for iPhones and Android devices to ditch USB-C entirely
Clarification enables Apple, Samsung and others to switch to wireless charging only
By Rik Henderson Published
-
Apple's first foldable could come with an unexpected feature, claims expert
If it ends up being true, we'd be absolutely fine with it.
By Britta O'Boyle Published