Is Apple Pay really safer than using your credit card? In the wake of the iCloud attack it needs more testing, experts warn

If Apple has its way, you can soon do away with your wallet and instead tap your phone to pay for shopping.

The group's Apple Pay wallet, aims to replace cards with a system that uses the Passbook credit card-storage app and fingerprint ID security system.

But just a week after attackers penetrated iCloud to steal naked celebrity photos, security firms have warned that more testing needs to be done on Apple Pay before shoppers can trust it with their payment details.

Apple Pay is designed to let iPhone 6 and 6 Plus owners use their smartphones to pay for purchases at shops as well as online via apps. The service will also be available on Apple Watch.

It will be launched in the US in October, and Apple said it is 'working hard' on bringing it to the UK, although a date has yet to be announced.

The system works using a technology called near-field communication (NFC), which allows mobile phones to communicate with other devices at close range.

Users will pay by holding a phone close to a contactless reader with their finger on the touch ID fingerprint system. The Cupertinpo-based firm says it's easier and more secure than using a credit or debit card.

One of the major security concerns is in the way Apple will let people add a different credit card to their phone, so it can be used instead as the one the company has on file.