Thought I’d chip in here as this is something I know quite a bit about!
There can be problems with ApplePay as the it uses a token ID rather than your card number, you can see this in your wallet if you tap on the card. If you use ApplePay in the supermarket and check your receipt, it will show the last 4 numbers of your token ID rather than your card.
Casinos prefer you to withdraw to a card where you have net losses before withdrawing to a new card. This is for their protection against chargebacks (although fraud is unlikely with ApplePay) – if they can demonstrate that all withdrawals have been made to a certain card, they can offset this against what’s being claimed and represent the chargeback.
Problems do arise when a card expires as they don’t have sight of this – adding another card to your phone generates a new token ID which is great for deposits but casinos want to mitigate any potential losses by verifying this before allowing you to withdraw. But withdrawing to an expired token ID shouldn’t be a problem as it can still link to the new card for a period of 6-12 months, although you can’t use it to buy anything.
The main reasons for this security is to cover the following scenario.
1 – Joe Bloggs opens an account, he deposits £10 on card ending 1111
2 – Joe Bloggs finds a card on the street ending 9999 in the street, he keys the details into his casino account and deposits £1000
3 – the following day, he withdraws the £1000 to his card ending 1111.
4 – Joe closes his account, runs away and is never seen again.
5 – Casino receives a chargeback for the fraudulent £1000 that the owner of card 9999 didn’t make.
6 – Casino is unable to defend and losses the £1000. Joe is £1000 richer and probably enjoying a nice pint in the pub with his new found wealth.