I mean to be expected of Google. Even their Google Pay sends data to their servers whenever you use it to make payments, effectively also making it so you can't even use it without service. Apple Pay does not, runs the whole thing on-device, and not only is private, but as a result also enables payments entirely offline.
so when I use the physical card that is also on Apple Pay, and Apple Pay tells me I just made a transaction as if I had used Apple Pay, that is all happening on my device? what online service is my phone using to track my account with Visa or my credit card issuer, and it's polling or push?