Re: ApplePay is very secure
I dont get how Apple Pay is more secure than carrying your credit card in your pocket
But you don't just carry the card in your pocket, do you. You get it out and, typically, stick it into a reader where you start typing your PIN. Your PIN can easily be sniffed by someone watching over your shoulder, or putting the card in a compromised reader. Your card/PIN can be cloned and used quite happily in parts of the world where they don't use Chip & PIN yet.
Apple Pay uses secure tokens to ensure that your credentials are never divulged to anyone. Ergo: more secure.