How it works
Apple Pay is a wallet-based mobile payment service by Apple Inc. that lets users process payments using an iPhone, iPad or Mac. Customers benefit from a familiar and streamlined checkout experience, where their billing information can be pre-filled, ready for purchase. Customers are authenticated quickly by placing their finger on the built-in reader or through facial-recognition. Apple Pay uses tokens to ensure no sensitive payment information is stored with Apple, on the customer’s device or on your own servers.
- If supported by the customer’s device, Apple Pay will be displayed as an option to complete the payment.
- The customer taps the Apple Pay button:
– If the customer has previously set up Apple Pay, the payment sheet will slide into view, displaying the order details.
– Otherwise, they will be prompted to set up their Apple Pay account prior to continuing with the payment process. - The customer can review the order and update their address and payment details, if needed.
- The customer places their finger on the built-in reader or enables facial-recognition on their device in order to verify their identity and confirm the payment.
- If successful, on-screen confirmation will be displayed and the customer will be redirected to your success page.
Features
- Supported currencies: AE, AU, CA, CH, CN, DK, ES, FI, FR, GB, GG, HK, IE, IM, IT, JE, JP, NZ, RU, SE, SG, SM, TW, US, VA (Click here for full list of supported currencies)
- Account checks can be processed on Apple Pay transactions under certain conditions. Learn more >>>
- Fraud checks and duplicate checks are supported.
- Protect Plus is supported, but checks cannot be run over the card details, as these are not made available to Trust Payments for Apple Pay transactions. Learn more >>>
- Payments scheduled through our Subscription engine are supported. You must have a merchant number that supports the processing of recurring payments. Learn more >>>
- Full and partial refunds are supported, using either MyST or our Webservices API.
- Payments may be subject to chargebacks. Learn more >>>
The security code setting on your security policy is not applicable for Apple Pay transactions, and therefore, they cannot be suspended based on the security code. However, AVS checks are still performed, and transactions can still be suspended due to your security policy configuration.
Requirements
Ensure you have met the following requirements before integrating Apple Pay into your checkout solution:
- Only eligible customers can complete transactions using Apple Pay.
For instance, customers must use a supported Apple device and be located within a country where Apple Pay operates.
Please refer to Apple’s documentation for the full list of requirements.
- Your acquiring bank must support Apple Pay with Trust Payments (contact our Support team for further information).
- You will need an Apple Pay Merchant ID.
(We recommend registering separate IDs for your test and live ).
- Your server must meet the following requirements:
- Must support the Transport Layer Security (TLS) 1.2 protocol.
- Must support one of the cipher suites listed in Apple’s documentation.
- Must meet high security standards (e.g. If using SSL Labs to check certificate, an A grade would be required).
In order to test your solution, we recommend that you have access to a device that supports Apple’s sandbox testing for Apple Pay.
Next steps
Once you have ensured the requirements above have been addressed,
you can start integrating Apple Pay into your payment solution.
Links: Payment Pages . JavaScript Library . iOS SDK . Webservices API