Step by Step Set-Up Guide for Apple Pay
Once you have decided to support Apple Pay, there is a set of steps that need to be completed:
- Validate if the Acquirer supports Apple Pay
- Not all Acquirers are supporting Apple Pay for in-app and web payments
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- Create Merchant ID, unique identifier that represents a merchant for Apple Pay
- Access your Apple Developer Account and visit the Certificates, Identifiers & Profiles section of the Apple member center. You can then navigate to Merchant IDs and click add.
- Set your Merchant ID. The identifier you enter should be a reverse DNS style identifier prefixed with the word "merchant".
- Create Payment Processing Certificate, used to securely transfer payment data. Apple Pay servers use the payment processing certificate’s public key to encrypt the payment data.
- Obtaining Certificate Signing Request (CSR) from
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- Contact
- Upload CSR at Apple
- In Member Center, select Certificates, Identifiers & Profiles. Under Identifiers, select Merchant IDs. Select the merchant ID from the list, and click Edit.
- Click Choose File, select the CSR received from
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- Return Certificate to
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- Send the downloaded Certificate (CER file) together with your Apple Merchant ID to
- Obtaining Certificate Signing Request (CSR) from
- Enable Apple Pay for your app in Xcode
- Open Capabilities pane
- Select the switch in the Apple Pay row, and then select the merchant IDs you want the app to use.
- (WEB ONLY) Create Merchant Identity Certificate. A Transport Layer Security (TLS) certificate used to authenticate your merchant sessions with the Apple Pay servers.
To register and verify your domain, and create your Merchant Identity Certificate:
- In Member Center, select Certificates, Identifiers and Profiles.
- Under Identifiers, select Merchant IDs.
- Select the merchant ID from the list, and click Edit.
- In the Apple Pay on the Web section, click the Add Domain
- Enter your fully qualified domain name, and click Continue.
- The site creates a file and makes it available to download. Download this file and host it at the provided location.
- As soon as the file is available on your server, click the Verify button. If the verification succeeds, the site returns to the iOS Merchant ID Settings page and shows a green Verified status label.
- In the Apple Pay on the Web section, click the Create Certificate Follow the instructions to create and download your Merchant Identity Certificate. Use this certificate when requesting a merchant session during payment validation. For more information, see Merchant Validation in ApplePaySession.
- Integrate Apple Pay at your application or web shop
- Follow guidelines: https://developer.apple.com/apple-pay
- Important: When creating PKPaymentRequest, request.merchantCapabilities = PKMerchantCapability3DS.
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Two transactions are created when making a credit card payment via Apple Pay. In the Apple Pay transaction the required credit card data are determined first and the actual credit card transaction is then carried out automatically. This takes place via a server-to-server connection and supports all usual credit card transaction options. The difference here, however, is that you don't transmit the credit card information, which you don't know. Instead, you transmit the PKPaymentToken generated by Apple Pay, which contains the required credit card data in encrypted form.
In order to make a credit card payment with Apple Pay, go to the following URL:
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The table describes just basic parameters. It is also possible to include all credit card payment parameters (without credit card data). More information about this you can find within Card processing. If you are processing Recurring or stored Credential on File transactions, please make sure to review all the necessary information in "COF Mandate Integration Guide". If there are any specific parameters that are mandatory for credit card payment, these parameters are also mandatory for Apple Pay.
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Parameters for Apple Pay
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Result parameters for Apple Pay
Capture / Credit / Reversal
Captures, credits and reversals do not refer to the Apple Pay transaction but directly to the credit card transaction. More information about this you can find within Card processing.
Batch processing via the interface
Captures, credits and reversals via batch do not refer to the Apple Pay transaction but directly to the credit card transaction. More information about this you can find within the document Card processing.