I mean to be expected of Google. Even their Google Pay sends data to their servers whenever you use it to make payments, effectively also making it so you can't even use it without service. Apple Pay does not, runs the whole thing on-device, and not only is private, but as a result also enables payments entirely offline.

>Apple Pay does not, runs the whole thing on-device

so when I use the physical card that is also on Apple Pay, and Apple Pay tells me I just made a transaction as if I had used Apple Pay, that is all happening on my device? what online service is my phone using to track my account with Visa or my credit card issuer, and it's polling or push?

You get a notification from Apple Pay when you pay with your physical card? Because I only get a notification from my bank's app whenever I use my physical card. Apple Pay notifications only pop up when using Apple Pay itself.

> You get a notification from Apple Pay when you pay with your physical card?

I do. Which is sometimes annoying if somebody else is looking at my screen.

Maybe it sends the payload after coming back online, but for I can for instance leave with only my galaxy watch 6, which doesn't have esim, and I'm able to make payments as long as I connect it with my phone before leaving the house.

If your phone doesn't have connection does it still work on your galaxy watch? Or if you leave the phone behind?

I think the comment's saying that they leave the phone at home, and the watch works by itself as long as it was connected to the phone before leaving the house.

Google Pay works for a limited amount of uses in offline mode.

https://9to5google.com/2023/12/20/google-wallet-without-inte...

I'm willing to bet that it's just for telemetry, but this kind of stuff just lends credence to the crazies claiming Google wants to create some kind of absurd botnet with people's devices.

Wow...that seriously may change my long standing anti-Mac disdain to pro-Mac advocacy, very interesting, even Gemini confirmed what you're saying.

> Apple Pay does not, runs the whole thing on-device, and not only is private, but as a result also enables payments entirely offline.

Apple Pay still does send a lot of telemetry about your payments though. https://duti.dev/randoms/wip-location-services/