I don’t know how it works personally. I d/l the app some time ago. I thought they were asking me too many questions and I cancelled. Pay Pal is a different story. I have used that a few times. I’ve had my CC comprised 3 times in the last 10 or so years. I am a very serious ass hole when it comes to that! I have not even signed up for auto pay on anything. I fill in the numbers every month! Experian was reported recently for having been breached . . . again!
Here is my Google on this. Lots of articles to read and learn!
https://www.google.com/search?sxsrf=...w=1080&bih=790