Apple Pay Rewards Data
To protect Apple Pay users, Apple doesn’t actually use your real credit or debit card number. Instead, it generates a Device Account Number that’s encrypted and store on-device. That way, there’s absolutely no way for Apple to track your purchase history — so there’s no data that can be used to target ads.
But that’s not the only way Apple protects financial and transactional data. For example, if you use a rewards card in Apple Pay, Apple requires that merchants encrypt any personally identifiable information. More than that, no rewards information is ever shared with third parties without explicit user consent.