Thanks for the explanation. PayPal also hides payment details from suppliers. When using Paypal with eBay there are a few safeguards that I appreciate. They also claim to have some other security features but I have forgotten what they are. Paypal sent us a little card reader that can be used with our phones to accept credit card and debit payments when we are selling stuff.
I can see that the services have features that are different. Does Apple Pay allow transfers between two people who have iPhones and not just retailers?
Not at this time.