About Apple Pay
What is Apple Pay
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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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Apple Pay solution supports following scenarios:
- In-application payments (also part of the SDK)
- Web payments
Notice: Regarding the liability shift in case of the card processing, please contact your Acquirer directly. 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.
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)
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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.
Merchants can also 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, your app or website will receive a payment token object back from 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 XXX, which then handles the whole processing of the transaction.