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The linked article is about DPAN and FPAN which are used by Apple Pay and other digital wallets to protect customers' plain text account numbers. DPAN protects your actual card number from merchants. It is a standard feature in digital wallets, including Google Pay and Samsung Pay. The DPAN persists between transactions with the same merchant. Although Apple Pay obscures the actual credit card number, it doesn't prevent merchants from collecting personal information such as full names, home addresses, email addresses and product info at checkout.