Tap to Pay payments are more secure than your normal online payments. Your actual card number is replaced with a digital token for all Tap to Pay payments. This digital token is then shared with all the payment entities reducing the risk of fraud.   No Tap to Pay payment can be completed without first unlocking your device. Thus, if your device falls in the wrong hands the new user will mandatorily have to unlock your phone before he/she can make a payment. High value Tap to Pay transactions have an additional check of entering your PIN on the POS terminal to verify your identity.