Why is it true that Apple Pay is not connected to Internet use?

Why Apple Pay can be used without networking

The reason is very simple, the credit card/bank card is only a piece of plastic with information, and Apple Pay is the information on the plastic sheet, copied to the phone, the phone can be used as a bank card, and can combine fingerprint recognition function, bring similar to the convenient use of banks

So it is possible to use Apple's pay without the Internet, and of course some friends say there will be security issues, so don't worry, because the technology is confidential.