User level: Level 1 (18 points)iPhone 13, iSO 27.0.1 - Not all my credit cards are saved in my keychain, ie settings - apps - Safari - AutoFill - Saved Credit Cards. I thought all credit cards entered into Wallet that the info was automatically saved in keychain for my eyes only? I have several cards that do not show in keychain?
Posted on Oct 31, 2026 9:09 AM
User level: Level 9 (64,078 points)Oct 31, 2026 10:20 AM in response to DONJ67
Hi, cards provisioned for Apple Pay are stored in the Secure Element which is a separate SOC (system on a chip) and not connected to iOS. Cards stored for AutoFill in Safari are stored in the Secure Enclave and available through Safari, but not available for Apple Pay unless provisioned by the issuing bank.
Apple Pay is a more secure and private technology for making payments because of tokenization. Autofill details are encrypted but merchants receive your complete payment details and personal information.
Autofill is a simple process of entering card data and storing on device in Secure Enclave. Provisioning a payment method for Apple Pay involves sophisticated anti fraud processes to verify the device and authenticate the cardholder. The Apple Pay security features are mostly handled by your bank using Apple’s technology.
User level: Level 9 (64,078 points)Nov 2, 2026 8:23 AM in response to DONJ67
Hi, in Settings > Wallet & Apple Pay > cards listed were once added to your Apple Wallet app on your iPhone.
In the Wallet app are cards that have been authenticated by the issuing bank. What appears in the Wallet app are cards that can be used for payments using Apple Pay and for transfers involving Apple Cash. These cards have no relationship to the Keychain.
Cards saved for Autofill are synced across devices using end to end encryption with Keychain. When Keychain is enabled for iCloud the information is also stored in iCloud with encryption. Cards can be in Autofill without being in the Wallet app and vice versa.
Cards in your Apple Wallet app are used exclusively with Apple Pay and Apple Cash. They use tokenization which replaces the actual card details with encrypted payment tokens. When Apple Pay is used either online or in store, the merchant never has the actual card details, but a one time use encrypted payment token for the bank. This is a key distinction.
Autofill provides the merchant with actual card details and they are at risk if the merchant is hacked by scammers.
User level: Level 10 (105,996 points)Oct 31, 2026 1:11 PM in response to DONJ67
Your card number is not automatically added. You can optionally choose to save those card details where you will see that message you posted, or use Autofill. If you did not previously do that and looking for it now, then it is not available.
Is this the message you are referring too?
User level: Level 1 (18 points)Oct 31, 2026 1:36 PM in response to DONJ67
Jeff, Thank You for the info. After doing some more digging I believe I have this figured out. In Settings - Wallet & Apple Pay - Payment Cards, it lists the cards for Wallet & AP, and under that listing "AutoFill Cards" and so on. This is the Keychain! Can I say that all the information in "Settings" is the Keychain? At my age it take a bit to figure it all out. I was looking at Safari & AutoFill, Wallet, Apple Pay and now the Keychain.
User level: Level 1 (18 points)Oct 31, 2026 12:45 PM in response to Jeff Donald
Great, now I understand the difference between the two card storage methods and how information is handled. So now my question is where the card information is stored in Apple Pay. When selecting a card in AP and clicking on card information it directs me to my iCloud Keychain, "Your full card number, expiration date, and security code are encrypted and stored in your iCloud Keychain. They are visible only to you and are not used for AP transactions." How do I get to this location in iCloud Keychain to view card info?
Originally posted at discussions.apple.com/thread/256386522