Apple Pay comes in handy in these pandemic period where iphone users can make contactless payment from their phones, health wise I'm sure these has been a good preventive measure that have been used to keep users from having physical contact transactions.
Using Apple Pay which can be only accessible by iphone, mac and other iOS supportive device, it support buying applications, music, videos and making payments for some service and product from NFC support centers and online.
With the Apple Pay app users can make payment quick at near field communication centers (NFC), Anonymously make transaction securely by keeping their credit card details safe from fraudulent users, directly from the app users can manage gift cards book for tickets online including movie tickets and other entertainment, there are also high reward earning for using the app for making transaction.
In terms of security Apple Pay has incorporated in it app wallet basic layer of security system such as face ID, finger print scanner, cloud password which can only be setup by owner.
Since these app can only be accessed by iphone users there is restriction for use by android user which can limit the wide scale of reaching more users using other device like android, although Apple Pay have proven to be a secure system and platform for making transaction among users it's recommend for use.