Should I disconnect Apple Pay if my phone is being repaired or lent to another person?

For security reasons we recommend disconnecting your card from Apple Pay, but this is not necessary if you lend your phone to someone you would entrust your card to, such as a family member. Bear in mind that this person will only be able to pay using your card in the Apple Pay system if you have also given them your Apple Pay PIN code. At the same time, they will also be able to add their own card to Apple Pay and pay with their own account.