[VladVladikoff]

Apple Pay & Google Wallet are actually considered lower risk by card brand than other card transactions because Apple and Google have so much tracking and biometrics on you, the phone must be unlocked and pin entered to pay. My company gets lower rates on these types of transactions than regular card transactions, lower rates because fraud is paid for by the fees, less fraud for a transaction type, lower merchant rates. So likely those transactions your kid does on their phone are flying way below the fraud threshold to trigger, even if it hits one trigger like “impossible travel distance”.