Re: ApplePay is very secure
"Apple Pay uses secure tokens to ensure that your credentials are never divulged to anyone. Ergo: more secure."
That's exactly right Mike. When you put a credit card in a reader, your numbers can be skimmed. With ApplePay, the iPhone does the job of the reader, validates you by your finger print, only unique numbers to do with the transaction are passed to the bank encrypted.
Much safer than using your credit card. These stories really are FUD against ApplePay (and by that I could probably say Google Wallet and others).
In the US they still use magnetic stripes and not even on-card chips, which are much harder to copy than mag stripes. So the US is way behind in security.