Agarwal looks for apps that use Apple Pay, which requires a thumbprint scan as the second piece of authentication. But Apple charges merchants transaction fees to use the service, so this isn’t common.
If the app doesn’t require a second factor, don't store your credit card, Agarwal advises. While it’s possible for restaurants to store and encrypt financial information safely, it’s impossible for the average diner to tell from looking at the app whether it built in appropriate precautions.
So, yes, it’s annoying to type in your credit card manually every time you get takeout -- but you’ll greatly reduce the risk of your financial information being stolen. “It takes an extra two minutes to enter that information, which is well worth it,” Agarwal says.