We do not know how much fraud is happening in Apple Pay, but early rumblings are that there is a lot more than initially expected. So the question is: what can you do to avoid becoming a victim? There are, indeed, steps you can - and should - take to stay safe. The problem cannot be ignored. Fraud expert Cherian Abraham has blogged that at one financial institution - he did not name it - fraud inside Apple Pay is running six times higher than normal credit card fraud.