In theory at least: Apple Pay is new, and it'll take a while before loyalty schemes cotton on to this. One feature that was definitely worth waiting for is the ability to use Apple Pay with the macOS Safari web browser for purchases. Web purchases are PIN-less until $80, ANZ's Liz MaGuire who worked on bringing Apple Pay to New Zealand, and the bank's mobile apps, said. Ergo, a shoulder surfer isn't going to find out your credit card details from Apple Pay. If you lose your phone, it's very unlikely that anyone will be able to use Apple Pay fraudulently.

Source: New Zealand Herald October 12, 2016 18:00 UTC