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- 07:42, 18 May 2026 LaunaBrousseau talk contribs created page Payments Industry News (Created page with "Instead of transmitting your card details, digital wallets rely on tokenization, encryption, and device-level authentication. They’re designed so your actual card number is never shared with merchants, which significantly reduces the risk of card data being stolen during a transaction. Behind the scenes, digital wallets rely on secure application programming interfaces (APIs) to communicate with payment processors, card networks, and banks. Because each token is unique...")