Fraudsters find the weakest link to exploit, in this case it is the issuers (which there are 100s btw) in the US. Apple Pay, just like EMV, is a secure _platform_, so therefore, if implemented properly can be used to combat fraud. If as an issuer you are accepting Apply Pay as a secure platform and do not complete the necessary quality checks to ensure the loaded card is not compromised you become the weakest link. I do not understand why people are calling for Apple Pay to increase the level of checks required when it is the issuing banks laziness to implement proper controls in order to increase their speed to market. It is not until we have a market-wide dynamic CVV (or like technology) available will we never see fraud virtually disappear. The fact is that issuers need more stringent controls in place in how the authorize a card into Apple Pay and two-factor authentication is a sure way to do it. Relying on information like social security numbers, address, location, etc. is no longer secure enough.