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If you use Apple Pay, watch out for this clever phishing scam

How Sophisticated Phishing Schemes Target Your Wallet—And How to Stay Safe

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Apple Secrets
Feb 13, 2026
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Phishing attacks are evolving. The era of poorly worded emails from foreign princes is over, replaced by sophisticated campaigns that mimic official communications with terrifying accuracy. A new scam targeting Apple Pay users demonstrates this evolution perfectly, leveraging a sense of urgency and polished design to trick even experienced users into compromising their accounts.

The attack is a masterclass in social engineering. It bypasses Apple’s robust device security by targeting the most vulnerable link in the chain: the user. By understanding how this clever scheme operates, you can spot the red flags and protect your digital wallet from even the most convincing of fraudsters. Here’s the insider breakdown of what to watch for.

Anatomy of the Scam: How It Works

This isn’t a random, low-effort attack. It’s a coordinated, multi-stage phishing campaign designed to build trust before striking.

  1. The Bait: It starts with a professionally designed email. Using official Apple logos, formattin…

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