Apple Pay

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.

How it works

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 our hosted response page.

Features

Supported customer countries	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 (Full list of supported countries)
Supported currencies	Dependent on your acquiring bank.
Payment types	Dependent on the customer’s card issuer.
Account checks	Supported by select acquiring banks.
AVS / Security code checks	AVS checks are supported. Security code checks are not supported, because security codes are not stored in the customer’s Apple Wallet. Important: 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.
Fraud checks (opt-in)	Supported.
Duplicate checks (opt-in)	Supported.
Protect Plus	Supported, but checks cannot be run over the card details, as these are not made available to Trust Payments for Apple Pay transactions.
Subscriptions	Recurring payments and subscriptions supported. You must have a merchant number that supports processing recurring payments.
Refunds	Full and partial refunds supported.
Chargebacks	Payments may be subject to chargebacks.

 

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

• Apple Pay is only available to eligible customers. 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.
• In order to test your solution, we recommend that you have access to a device that supports Apple’s sandbox testing for Apple Pay.
• Apple Pay does not support integration within an iframe.

Configuration

Enabling Apple Pay

To enable Apple Pay on your test site reference, please contact our Support Team. Once enabled, the Apple Pay button will be displayed on the payment choice and payment details pages (providing the browser supports the service) and you can test your solution.

Modify your POST to Trust Payments

You will need to modify your POST submitted to Trust Payments to include the following two fields. These changes will ensure that the billing and delivery information are retrieved from the customer’s wallet. This expedites the payment process, providing a more seamless checkout experience for the customer.

	Field name	Format	Description
	billingcontactdetailsoverride	Numeric (1)	“1” – Uses billing details from the customer’s wallet.
	customercontactdetailsoverride	Numeric (1)	“1” – Uses delivery details from the customer’s wallet.

<form method="POST" action="<DOMAIN>/process/payments/choice">
...
<input type="hidden" name="billingcontactdetailsoverride" value="1">
<input type="hidden" name="customercontactdetailsoverride" value="1">
...
<input type="submit" value="Pay">
</form>

Replace <DOMAIN> with a supported domain. Click here for a full list.

Payment sheet

Prior to completing the purchase, the payment sheet is displayed to the customer. This presents the customer with cards previously-saved on their account, options for delivery, contact information and the full purchase amount (including tax and fees). They can review the order and optionally make adjustments before proceeding.

Testing

Your test site reference will connect to the Apple Pay testing sandbox. Therefore, in order to process payments on your test site reference, you will need to add test card details to the Apple Wallet on your supported device(s).

You will be required to use the test card details provided by Apple. Please refer to this URL:

https://developer.apple.com/support/apple-pay-sandbox/

Please be aware that the test card details we provide in our testing documentation cannot be used when processing Apple Pay test transactions.

Additional notes

Account checks
You can process account checks with Apple Pay transactions, providing your acquiring bank supports this functionality. Contact our Support Team to enable account checks on your account. Account checks will be processed automatically prior to every payment, with no changes required to your checkout.

AVS and security code checks
AVS (Address Verification Service) checks will be processed if supported by your bank, but security code checks are not possible with Apple Pay. This is because the security code cannot be stored on the customer’s phone or with Apple, and therefore cannot be sent on to the bank during the authorisation process for checks to be performed. As such, the response for the security code checks will always be “0”, indicating the security code was not sent.
More info: AVS and security code checks document

Note: 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.

Fraud and duplicate checks
If enabled on your account, fraud and duplicate checks will be run for all Apple Pay transactions.
More info: Fraud checks and Duplicate checks

Subscriptions
If your merchant number permits recurring payments with Apple Pay and your account has been configured by our Support team, you will be able to process subscriptions by following our Subscriptions documentation.

Protect Plus
Protect Plus analyses the customer’s billing, delivery and token details using a rule-based system to detect suspicious patterns in user activity. The system will assist you in deciding whether to process a customer’s transaction based on the perceived level of risk.
More info: Protect Plus document

Refunds
You can refund previously-settled Apple Pay transactions by using MyST (click here to learn more). Full and partial refunds are supported.

Chargebacks
Apple Pay transactions may be subject to chargebacks. This is dependent on your acquiring bank.
More info: Click here to read about Chargebacks