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  • What is masked dpan in Apple Pay?

    The masked DPAN is depicted in the card details in the wallet application. Apple Pay does practically the same but calls the masked DPAN device account number. The last 4 digits of PAN along with the card schemes IDs such as “Visa” or “Mastercard” comprises so called Card Info.

  • Does Google Pay have a dpan?

    The real card PAN is not stored in Google Pay or Apple Pay wallets and does not participate in transactions originated via these wallets. Google Pay wallet shows the DPAN “tail”, or masked DPAN, as virtual account number, e.g. “**** 1355” to the the smartphone holder.

  • What is a dpan & how does it work?

    When a customer adds their card to Apple or Google Pay, Apple and Google will automatically generate a new card number called a DPAN (Device PAN) with a new expiration date. The DPAN is completely different from the real card number:

  • Can dpan be used to create a fraudulent transaction?

    DPAN cannot be used to create a fraudulent transaction at e-merchant website because the real card PAN must be used there. The real card PAN is not stored in Google Pay or Apple Pay wallets and does not participate in transactions originated via these wallets.

About Dpan

Whereas Primary Account Number (PAN) is the real card number, usually depicted on the card, the Device PAN (DPAN) is assigned to the card as a pseudonym. It looks like a PAN but it is not. It is associated with a particular device (e.g. a smartphone) which emulates the card virtually stored in the Google Pay or Apple Pay wallet. If the same card is

About Card Info

The last 4 digits of PAN along with the card schemes IDs such as “Visa” or “Mastercard” comprises so called Card Info. Card Info is available to e-merchants participating in payment transactions originated via Google Pay or Apple Pay wallets. It is used for transaction tracking and resolving issues with cardholders. Remarkably, Card Info is not ava

Dpan and Pan Tracking Examples

PAN and DPANs are provided below for the matter of examples. They are accidental, invalid, and do not pass Luhn checks. Let’s suppose, for the matter of example, that you have Visa card with PAN 4000000000004321. In most cases, you can see the PAN depicted on your card plastic. Respectively, Card Info digits will be depicted at your card image in y

Dpan Issues

Unfortunately, there are some issues with DPAN and PAN creating poor user experience in some use cases and limiting usage of Google Pay and Apple Pay. The devil is, as always, is in the details. lifecycleintegrity.com

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