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Apple Pay or Google Pay vs Credit Cards - which is safer?Using Google Pay�or another brand of digital wallet�is actually safer than swiping your card in a terminal at a store or typing in the card. The bottom line is that mobile payment systems in general, and Google Wallet specifically, are not any more insecure than any other transaction. Apple Pay and Google Wallet appear to be at least as secure as contactless payments: With Apple Pay, when you add a card, its details are.