Bank of America automates the process of creating virtual cards for your account when you set up contactless payments such as Google Pay. It is not an anonymous service as the bank still keeps the transaction records and iirc, will occasionally sell or relinquish the data on request to 3rd parties or enforcement agencies.
Apple Pay is set up as a front for my credit card, which is a Visa card I get through my credit union. Whether it's Apple Pay or Google Pay (or PayPal, or others), I think the card provider is always going to have full records — in addition to the payment channel provider. So I should have said "(besides Apple or my card provider)" rather than just "(besides Apple)".
