Apple Pay is actually safer than using a plastic card. Every transaction on your iPhone, iPad, or Mac requires you to authenticate with Face ID, Touch ID, or your passcode. Your Apple Watch is protected by the passcode that only you know.
Your passcode is required every time you put on your Apple Watch or when you pay using Apple Pay. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.
Learn more about Apple Pay security and privacy.