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About Apple Pay

What is Apple Pay


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Excerpt

Apple Pay is a digital wallet for storing payment details, providing an easy and secure way to pay in iOS applications, websites running on Safari browser and contactless POS terminals. In applications and on websites, users can quickly and securely provide their payment, shipping, and contact information to check out.  Apple Pay’s simplicity increases conversion rates and new user adoption that come with it.

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Wording’s Apple Pay solution supports following scenarios:

  • In-application payments (also part of the 
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    the SDK)
  • Web payments


Notice: Regarding the liability shift in case of the card processing, please contact your Acquirer directly. Because 

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is not a direct contract Because is not a direct contract partner, your Acquirer should specify the liability shift rules for each card brand.

Web payment

Apple Pay is available on all iOS devices with a Secure Element running iOS 10 or later. For macOS devices, users must be running macOS 10.12 or later, and have a Mac with Touch ID or an Apple Pay-capable iPhone or Apple Watch to authorize the payment.on the Web enables purchases while using Safari web browser. For shopping on iPhone or iPad, after selecting checkout with Apple Pay, a payment sheet appears, prompting the customer to confirm payment via Biometric authentication or passcode. For shopping on Mac, customers need to have an iOS device in close range, and they'll be prompted on that device to authorize the payment, which will then synchronize to the browser. The latest MacBook Pro allows customers to authorize payment directly on the MacBook Pro.

Apple Pay is available through Safari on macOS. On iOS, Apple Pay is available Apple Pay is available through Safari on macOS. On iOS, Apple Pay is available in-app, on Safari, and as of iOS 16, websites displayed through a webviews (including third party browsers and social media apps)


Info

To enable Apple Pay on your website it must comply with the Apple Pay Acceptable Use Guidelines, and be served over https://. you will find Apple's documentation right below: 


In-app payment

Apple Pay can be used for payments within the iOS applications. The main advantage of Apple Pay is that it is frictionless process with no need to re-type credit card data, shipping or billing address, which can be cumbersome on the smaller iPhone screens. Customer just choose to checkout with Apple Pay and confirms the payment with

Touch ID

Biometric authentication or passcode.

Merchants can also

use
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’s

use’s SDK for facilitating the in-app payment integration, making it easier and faster.

Apple Pay requirements:

Apple Pay in-app payments are supported on all iOS devices with a Secure Element.

Process flow chart

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Apple Pay process flow

 

Presenting the Apple Pay button

Within apps, PassKit provides the API’s that your app will use to determine if it is running on a device with a Secure Element and if the device has been provisioned with payment cards that you support. On websites, WebKit provides APIs that allow your website to check if the individual has an Apple Pay capable device and if it is set up.

If the device is Apple Pay enabled you should present the Buy with Apple Pay button using APIs supplied within PassKit within apps and Webkit within Safari.

 

Presenting the Payment Sheet

When your user selects goods or services to buy, and selects Apple Pay as the payment method, you create a payment request and ask PassKit in apps or Webkit on your website to present the payment sheet to the user. The payment sheet must immediately follow the user tapping the Apple Pay button, without any interim screens or pop-ups except to prompt for necessary product details, such as size or quantity.

Your app specifies the contents of the payment sheet but it does not control the user’s interaction with the sheet. You must decide if it makes sense to present shipping and billing information, shipping method, and other line items to the user. You should only request the information necessary to process the transaction.

 

Processing Payments

Once authorized by the user

with Touch ID (and bank PIN code in China)

, your app

receives

or website will receive a payment token object back from

PassKit

Apple Pay. The payment token encapsulates the information needed to complete a payment transaction, including the device-specific account number, the amount, and a unique, one-time-use cryptogram. The encrypted payment bundle will be decrypted by

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, which then handles the whole processing of the transaction.

Axepta which then handles the whole transaction processing.

 

On this page

On this page

Table of Contents
exclude(Auf dieser Seite|In diesem Abschnitt|On this page|In this section).*


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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     can provide information about supporting Acquirers
    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".
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    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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    1. Contact 
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      and ask for Apple Pay CSR. Provide us with information about your Apple Merchant ID.
    2. CSR will be needed by Apple to generate actual certificate for signing Payment Token
    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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    and click Generate.
  • Download the certificate by clicking Download, and click Done.
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    Return Certificate to
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    1. Send the downloaded Certificate (CER file) together with your Apple Merchant ID to 
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    Enable Apple Pay for your app in Xcode
    1. Open Capabilities pane
    2. Select the switch in the Apple Pay row, and then select the merchant IDs you want the app to use.
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  • (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:

    1. In Member Center, select Certificates, Identifiers and Profiles.
    2. Under Identifiers, select Merchant IDs.
    3. Select the merchant ID from the list, and click Edit.
    4. In the Apple Pay on the Web section, click the Add Domain
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    5. Enter your fully qualified domain name, and click Continue.
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    6. The site creates a file and makes it available to download. Download this file and host it at the provided location.
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    7. 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.
    8. 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
    1. Follow guidelines: https://developer.apple.com/apple-pay
    2. Important: When creating PKPaymentRequest, request.merchantCapabilities = PKMerchantCapability3DS.
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      only supports 3DS types.
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    interface

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    Onboarding 


    1) The Merchant create an Apple pay Merchant Identifier.

    Info

    To generate your Apple Pay merchant identifier, you will find below the Apple Pay documentation.


    Configure Apple Pay on the web - Configure capabilities - Account - Help - Apple Developer

    Register a merchant domain

    1. In Certificates, Identifiers & Profiles, click Identifiers in the sidebar, then select Merchant IDs from the pop-up menu on the top right.

    2. On the right, select your merchant identifier.

    3. Under Merchant Domains, click Add Domain.

    4. Enter the fully qualified domain name, then click Save.

    5. Click Download, place the downloaded file in the specified location, then click Verify.

    6. Click Done


    2) The merchant sends the Apple Pay Merchant Identifier to BNP Paribas Sales. 


    3) Axepta support starts the configuration and sends the CSR (Certificate Signing Request) by mail to the technical contact identified during onboarding phase.


    4) The merchant needs to upload the Certificate Signing Request on his Marchant Apple Pay Account. 

    Info

    To upload the certificate signing request, you will find below the Apple Pay documentation. 

    Configure Apple Pay - Configure capabilities - Account - Help - Apple Developer

    Upload a payment processing certificate

    1. In Certificates, Identifiers & Profiles, click Identifiers in the sidebar.

    2. Under Identifiers, select Merchant IDs using the filter on the top right.

    3. On the right, select your merchant identifier.

      Note: If a banner appears at the top of the page saying that you need to accept an agreement, click the Review Agreement button and follow the instructions before continuing.

    4. Upload the Certificate signing request given by Axepta support.



    Testing Apple pay transaction 


    Testing transaction with Apple pay test account

    1) Axepta support can configure Apple pay on the Axepta merchant test MID.

    Info

    Axepta Support needs the apple pay merchant identifier in order to configure Apple pay on the Axepta merchant test MID.


    2) The Merchant creates a Sandbox Tester Account and add test card Number. 

    Info

    Apple pay documentation : Sandbox Testing - Apple Pay - Apple Developer


    3) The merchant must send the parameter &orderdesc=Test:0000 in the payment request to simulate a success payment.


    Paygate interface



    Calling the interface

    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:


    Info

    Notice: For security reasons, Axepta rejects all payment requests with formatting errors, please use the correct data type for each parameters. 

    The following table describes the encrypted payment request parameters:

    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.


    Parameters for Apple Pay


    KeyFormatCND Description 
    MerchantIDans..30MMerchantID, assigned by Axepta. Additionally this parameter has to be passed in plain language too.
    TransIDans..64MTransactionID provided by you which should be unique for each payment
    RefNran..12C

    Merchant’s unique reference number, which serves as payout reference in the acquirer EPA file. Please note, without the own shop reference delivery you cannot read out the EPA transaction and regarding the additional settlement file (CTSF) we cannot add the additional payment data.


    Merchant’s unique reference number, which serves as payout reference in the acquirer EPA file. Please note, without the own shop reference delivery you cannot read out the EPA transaction and regarding the additional settlement file we cannot add the additional payment data.

    Notes:

    • Fixed length of 12 characters (only characters (A..Z, a..z) and digits (0..9) are allowed, no special characters like whitespace, underscore...)
    • If the number of characters entered is lower than 12, BNP will complete, starting from the left side, with "0" (Example : 000018279568)
    Info

    The format depends on the available paymethods for your MerchantId and this parameter is used for card payments reconciliation.

    Please choose your format in that way that all paymethods are covered.

    We recommend to use the most restrictive format for this parameter (AN12 - M) and create unique RefNr.

    More details : Data reconciliation : Key Data


    Amountn..10MAmount in the smallest currency unit (e.g. EUR Cent) 100 is the smallest currency unit
    Currencya3MCurrency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP.
    MACan64MHash Message Authentication Code (HMAC) with SHA-256 algorithm.
    UserDataans..1024OIf specified at request, Paygate forwards the parameter with the payment result to the shop.
    RTFa1OEstablishment of Credential on File Agreement (Cardholder agrees that his card data can be stored for further transactions).
    Capturean..6OM

    Determines the type and time of capture.

    Capture ModeDescription
    AUTOCapturing immediately after authorisation (default value).
    MANUALCapturing made by the merchant. Capture is normally initiated at time of delivery.
    <Number>Delay in hours until the capture (whole number; 1 to 696).


    OrderDescans..64MDescription of purchased goods, unit prices etc.
    URLNotifyans..256O

    Complete URL which Paygate calls up in order to notify the shop about the payment result. The URL may be called up only via port 443. It may not contain parameters: Use the UserData parameter instead.

    Info
    • We recommend to use parameter "response=encrypt" to get an encrypted response by Paygate
    • However, fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess/URLNotify. Therefore ensure to check the "code"-value which indicates success/failure of the action. Only a result of "code=00000000" should be considered successful.


    MerchantIDExtans..128C

    Merchant Identifier of Public Key

    Mandatory if more then one Merchant Identifiers are stored with Computop

    TokenExtans..6000M

    Apple Pay PKPaymentToken as JSON string in the Base64 format

    Code Block
    titleExample for TokenExt
    {
     "paymentData": {
      "data": "GiZiyzsI6r6lnPYUeceR6itk2PDyBozl2Xy77c5u2X8Ze7l5EasyyH4Q6BoAevrvBfe0FnUNARBEXRySLwqqnpUHO6Du/amZEECRXxlrH91wFqH4oXry2CTDRu7TaIlmnR+s3ien5JI8iWo9hoEW7hyJOE7QGaS6rfR1CtQ4DWJEUq/tFnW98tj3kwKU6iOAAvE467boopMDGBS1fK5HzGXs4hH/6r+LPRfSOKBi1L5VWAexs9Bzw3ByyG69i52doRuFb1xOcMOJbmPg40hap13IjBW6dnj1phbsqP2i/JxvWPV3EcuqpuIoVZr5w53w//pPsl54kmeXNddIjVD5dIhhOKZ8AznD4eL2dbzkp6bic8xScBf3G8hrKXTRTL7V+KT2S+TQliHN0SNXrFu6B6o=",
      "signature": "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",
      "header": {
          "publicKeyHash": "OgiD2qBTWYf/a+LDshFeQcPq6tOmePu0epHpP4ZkNicc=",
          "ephemeralPublicKey": "MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEc/HxA3lJZrC+B0ITom0Iji+gFdn7ivGtpI+fl2u8n8XByPgBaVK2b44qUvsGigoNd0OFLNXo0Q07R2B54eIdS3A==",
          "transactionId": "156632b2aadf355d4958d9051a42bf62e07aea5716e72083aa64247944f6e3e14d"
      },
      "version": "EC_v1"
     },
     "paymentMethod": {
      "displayName": "MasterCard 0063",
      "network": "MasterCard",
      "type": "debit"
     },
     "transactionIdentifier": "156632B2AAD12F355D4958D9051A42BF62E07AE5716E720AA6424794F6E3E14567D"
    }


    Channela..10O

    Channel over which the order is processed.

    Allowed value : ECOM


    Result parameters for Apple Pay


    The following table describes the result parameters with which Axepta responds to your system

    • Please be prepared to receive additional parameters at any time and do not check the order of parameters
    • The key (e.g. MerchantId, RefNr) should not be checked case-sentive


    KeyFormatCNDDescription 
    MIDans..30MMerchantID, assigned by Axepta
    PayIDan32M

    ID assigned by Paygate for the payment, e.g. for referencing in batch files

    This ID refers to the credit card transaction unless an error occurs already at the Apple Pay transaction.

    XIDan32MID for all single transactions (authorisation, capture, credit note) for one payment assigned by Paygate
    TransIDans..64MTransactionID provided by you which should be unique for each payment

    refnr

    ns..30OMerchant’s unique reference number
    UserDataans..1024OIf specified at request, Paygate forwards the parameter with the payment result to the shop.
    Statusa..50MOK (URLSuccess) or FAILED (URLFailure)
    Descriptionans..1024MFurther details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!
    Coden8MError code according to Paygate Response Codes
    MACan64MHash Message Authentication Code (HMAC) with SHA-256 algorithm. 
    schemeReferenceIDan64

    Calling the interface

    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:

    Multiexcerpt include
    SpaceWithExcerptEN
    MultiExcerptNameBaseURL
    PageWithExcerptWording
    applepay.aspx

    Multiexcerpt include
    SpaceWithExcerptEN
    MultiExcerptNameRequest_Intro
    PageWithExcerptReuse API

    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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    isFirstTimeEnterfalse
    hideColumnstrue
    sparkNameSparkline
    hidePanetrue
    datepatterndd M yy
    id1627366106393_-1123228300
    worklog365|5|8|y w d h m|y w d h m
    isORAND
    separatorPoint (.)
    order0
    Multiexcerpt
    MultiExcerptNameapplepay_request
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    dateFormatdd M yy
    export-wordfalse
    show-sourcefalse
    export-csvfalse
    id1627366106397_34704776
    transposefalse
    worklog365|5|8|y w d h m|y w d h m
    separator.
    export-pdffalse
    sqlSELECT * FROM T*

    Table Excerpt Include
    statictrue
    nameMerchantID
    pageMerchantID
    typepage

    Table Excerpt Include
    statictrue
    nameTransID
    pageTransID
    typepage

    Key

    Format

    CND

    Description

    Beschreibung

    RefNr

    an..12

    M

    recommended

    Merchant’s unique reference number, which serves as payout reference in the acquirer EPA file. Please note, without the own shop reference delivery you cannot read out the EPA transaction and regarding the additional

    Multiexcerpt include
    SpaceWithExcerptEN
    MultiExcerptNamePartner-Name
    PageWithExcerptWording
    settlement file (CTSF) we cannot add the additional payment data.

    Merchant’s unique reference number, which serves as payout reference in the acquirer EPA file. Please note, without the own shop reference delivery you cannot read out the EPA transaction and regarding the additional settlement file we cannot add the additional payment data.

    Notes:

    • Fixed length of 12 characters (only characters (A..Z, a..z) and digits (0..9) are allowed, no special characters like whitespace, underscore...)

    • If the number of characters entered is lower than 12, BNP will complete, starting from the left side, with "0" (Example : 000018279568)

    Tip

    The format depends on the available paymethods for your MerchantId and this parameter is used for card payments reconciliation.

    Please choose your format in that way that all paymethods are covered.

    We recommend to use the most restrictive format for this parameter (AN12 - M) and create unique RefNr.

    More details : Data reconciliation : Key Data

    Eindeutige Referenznummer. Pflicht, wenn dieser Parameter für die Kartentransaktion des Händlers Pflicht ist.

    MAC

    an64

    M

    Hash Message Authentication Code (HMAC) with SHA-256 algorithm

    HMAC Authentication (Request)

    HMAC Authentication (Notify)

    Table Excerpt Include
    statictrue
    nameAmount
    pageAmount
    typepage

    Table Excerpt Include
    statictrue
    nameCurrency
    pageCurrency
    typepage

    Table Excerpt Include
    statictrue
    nameUserData
    pageUserData
    typepage

    Table Excerpt Include
    statictrue
    nameCapture
    pageCapture
    typepage

    Key

    Format

    CND

    Description

    Beschreibung

    OrderDesc

    ans..64

    M

    Description of purchased goods, unit prices etc.Beschreibung der gekauften Waren, Einzelpreise etc.

    Table Excerpt Include
    statictrue
    nameURLNotify
    pageURLNotify
    typepage

    Key

    Format

    CND

    Description

    Beschreibung

    MerchantIDExt

    ans..128

    C

    Merchant Identifier of Public Key

    Mandatory if more then one Merchant Identifiers are stored with

    Multiexcerpt include
    SpaceWithExcerptEN
    MultiExcerptNamePartner-Name
    PageWithExcerptWording

    Merchant Identifier des Public Keys

    Pflicht, wenn mehr als ein Merchant Identifier bei 

    Multiexcerpt include
    SpaceWithExcerptDE
    MultiExcerptNamePartner-Name
    PageWithExcerptDE:Wording
    hinterlegt ist.

    TokenExt

    ans..6000

    M

    Apple Pay PKPaymentToken as JSON string in the Base64 format

    Code Block
    languagexml
    titleExample for TokenExt
    {
     "paymentData": {
      "data": "GiZiyzsI6r6lnPYUeceR6itk2PDyBozl2Xy77c5u2X8Ze7l5EasyyH4Q6BoAevrvBfe0FnUNARBEXRySLwqqnpUHO6Du/amZEECRXxlrH91wFqH4oXry2CTDRu7TaIlmnR+s3ien5JI8iWo9hoEW7hyJOE7QGaS6rfR1CtQ4DWJEUq/tFnW98tj3kwKU6iOAAvE467boopMDGBS1fK5HzGXs4hH/6r+LPRfSOKBi1L5VWAexs9Bzw3ByyG69i52doRuFb1xOcMOJbmPg40hap13IjBW6dnj1phbsqP2i/JxvWPV3EcuqpuIoVZr5w53w//pPsl54kmeXNddIjVD5dIhhOKZ8AznD4eL2dbzkp6bic8xScBf3G8hrKXTRTL7V+KT2S+TQliHN0SNXrFu6B6o=",
      "signature": "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",
      "header": {
          "publicKeyHash": "OgiD2qBTWYf/a+LDshFeQcPq6tOmePu0epHpP4ZkNicc=",
          "ephemeralPublicKey": "MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEc/HxA3lJZrC+B0ITom0Iji+gFdn7ivGtpI+fl2u8n8XByPgBaVK2b44qUvsGigoNd0OFLNXo0Q07R2B54eIdS3A==",
          "transactionId": "156632b2aadf355d4958d9051a42bf62e07aea5716e72083aa64247944f6e3e14d"
      },
      "version": "EC_v1"
     },
     "paymentMethod": {
      "displayName": "MasterCard 0063",
      "network": "MasterCard",
      "type": "debit"
     },
     "transactionIdentifier": "156632B2AAD12F355D4958D9051A42BF62E07AE5716E720AA6424794F6E3E14567D"
    }

    Apple Pay PKPaymentToken als JSON-String im Base64-Format

    Code Block
    languagexml
    titleBeispiel für TokenExt
    {
     "paymentData": {
      "data": "GiZiyzsI6r6lnPYUeceR6itk2PDyBozl2Xy77c5u2X8Ze7l5EasyyH4Q6BoAevrvBfe0FnUNARBEXRySLwqqnpUHO6Du/amZEECRXxlrH91wFqH4oXry2CTDRu7TaIlmnR+s3ien5JI8iWo9hoEW7hyJOE7QGaS6rfR1CtQ4DWJEUq/tFnW98tj3kwKU6iOAAvE467boopMDGBS1fK5HzGXs4hH/6r+LPRfSOKBi1L5VWAexs9Bzw3ByyG69i52doRuFb1xOcMOJbmPg40hap13IjBW6dnj1phbsqP2i/JxvWPV3EcuqpuIoVZr5w53w//pPsl54kmeXNddIjVD5dIhhOKZ8AznD4eL2dbzkp6bic8xScBf3G8hrKXTRTL7V+KT2S+TQliHN0SNXrFu6B6o=",
      "signature": "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",
      "header": {
          "publicKeyHash": "OgiD2qBTWYf/a+LDshFeQcPq6tOmePu0epHpP4ZkNicc=",
          "ephemeralPublicKey": "MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEc/HxA3lJZrC+B0ITom0Iji+gFdn7ivGtpI+fl2u8n8XByPgBaVK2b44qUvsGigoNd0OFLNXo0Q07R2B54eIdS3A==",
          "transactionId": "156632b2aadf355d4958d9051a42bf62e07aea5716e72083aa64247944f6e3e14d"
      },
      "version": "EC_v1"
     },
     "paymentMethod": {
      "displayName": "MasterCard 0063",
      "network": "MasterCard",
      "type": "debit"
     },
     "transactionIdentifier": "156632B2AAD12F355D4958D9051A42BF62E07AE5716E720AA6424794F6E3E14567D"
    }

    Channel

    a..10

    O

    Channel over which the order is processed.

    Allowed value : ECOM

    Kanal, über den die Bestellung abgewickelt wird.

    Erlaubt sind die Werte WEBSITE und MOBILE_APP

    Parameters for Apple Pay

    Multiexcerpt include
    SpaceWithExcerptEN
    MultiExcerptNameResponse_Intro
    PageWithExcerptReuse API

    Table Filter
    defaultBeschreibung
    isFirstTimeEnterfalse
    hideColumnstrue
    sparkNameSparkline
    hidePanetrue
    datepatterndd M yy
    id1627366762869_312723625
    worklog365|5|8|y w d h m|y w d h m
    isORAND
    separatorPoint (.)
    order0
    Multiexcerpt
    MultiExcerptNameapplepay_response
    Table Transformer
    dateFormatdd M yy
    export-wordfalse
    show-sourcefalse
    export-csvfalse
    id1627366762872_265801068
    transposefalse
    worklog365|5|8|y w d h m|y w d h m
    separator.
    export-pdffalse
    sqlSELECT * FROM T*

    Table Excerpt Include
    statictrue
    nameMID
    pagemid
    typepage

    Key

    Format

    CND

    Description

    Beschreibung

    PayID

    an32

    M

    ID assigned by 

    Multiexcerpt include
    SpaceWithExcerptEN
    MultiExcerptNamePlatform-Kurz
    PageWithExcerptWording
    for the payment, e.g. for referencing in batch files

    This ID refers to the credit card transaction unless an error occurs already at the Apple Pay transaction.

    Vom 

    Multiexcerpt include
    SpaceWithExcerptDE
    MultiExcerptNamePlatform-Kurz
    PageWithExcerptDE:Wording
    vergebene ID für die Zahlung, z.B. zur Referenzierung in Batch-Dateien.

    Diese ID bezieht sich auf die Kreditkarten-Transaktion, es sei denn, es kommt bereits bei der Apple-Pay-Transaktion zu einem Fehler.

    Table Excerpt Include
    statictrue
    nameXID
    pageXID
    typepage

    Table Excerpt Include
    statictrue
    nameTransID
    pageTransID
    typepage

    Table Excerpt Include
    statictrue
    nameRefNr
    pagerefnr
    typepage

    Table Excerpt Include
    statictrue
    nameUserData
    pageUserData
    typepage

    Table Excerpt Include
    statictrue
    nameStatus_OK_FAILED
    pageStatus
    typepage

    Table Excerpt Include
    statictrue
    nameDescription
    pageDescription
    typepage

    Table Excerpt Include
    statictrue
    nameCode
    pageCode
    typepage

    Key

    Format

    CND

    Description

    BeschreibungschemeReferenceIDans..64
    CCard scheme specific transaction ID required for subsequent credential-on-file payments, delayed authorizations and resubmssions
    .Kartensystemspezifische Transaktions-ID, die für nachfolgende Zahlungen mit hinterlegten Daten, verzögerte Autorisierungen und Wiedereinreichungen erforderlich ist
    .

    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.