I understand that but as I mentioned if the bank has implemented Apple Pay correctly from Apple’s point of view none of that applies to the card in Apple Pay.
What the Commonwealth Bank failed to implement currently with the rollout is as mentioned above but I’ll spell it out more clearly.
The other banks that have chosen to implement this feature correctly if my card is near expiry the bank just pushes the new one to Apple Pay automatically and it will get updated in Apple Pay with no intervention done completely in the background no need to enter or update the card manually.
You lose your card somewhere or it gets stolen banks like ANZ will cancel your card and then once the cancellation and re-issuing process is completed.
A few minutes after you have cancelled your card, Your existing card in Apple Pay has already received an update and has pushed out the replacement card replacing your existing card in Apple Pay before the physical card from your bank has even arrived in the mail so you can continue paying for things with Apple Pay.
So as far as Apple is concerned there is no real need for an expiration date on their cards in Apple Pay, that problem only applies to the physical card and to put that data on there would only serve to confuse users based off of their simplistic model. It literally serves no purpose with the use of Apple Pay.
Probably should’ve went with “fully” then I proceeded to explain what I meant by my previous statement with the following statements in that reply.
Apple Pay is so much more than what the Commonwealth Bank and Bankwest chose to implement they did a lot more than I expected but there’s some big features missing. Hopefully they’ll get on rectifying those in the coming months year.
Essentially I hope the above has now made this more clear.