Apple Pay
Introduction
Apple Pay is a contactless mobile payment and digital wallet service by Apple. It allows users to make secure payments with Apple devices, such as iPhones, iPads, and Apple Watches, using NFC technology. This enables both in-store and online payments without needing to enter card details.
Apple Pay transactions are processed with high security through tokenization, which replaces the actual card number with a unique device-specific number. Each transaction is authenticated by Face ID, Touch ID, or a device passcode. Apple Pay can be used for one-time transactions as well as for recurring payments, depending on the merchant's integration.
Apple Pay is available in numerous global regions and supports a wide range of currencies, enabling cross-border payment experiences. For online and in-app payments, SmartPay's SDK securely collects payment details, which are then transmitted to Apple's servers for processing and authorization. The entire flow keeps sensitive data hidden from the merchant, providing customers with a secure and easy payment experience.
Workflows and Transaction Types
SmartPay Integration Flow for Merchants
Merchants should follow the standard integration process outlined in the Apple Pay Integration Prerequisites, ensuring compliance with all registration and verification steps.
Customer Initiated Transactions (CIT)
- Guest Payments: Apple Pay supports guest payments without storing payment credentials.
- Registered Users: Registered users can store Apple Pay as a payment option for future transactions.
Merchant Initiated Transactions (MIT)
- Subscriptions: Apple Pay supports recurring payments for subscription-based services.
- Storable Payment Option: Apple Pay can be stored as a payment option, facilitating seamless future transactions.
Transaction Status Flow
Merchants should implement SmartPay notifications to receive transaction status updates. Upon receiving a notification, merchants must call the Get Payment Status API to verify the transaction status.
Apple Pay Integration Prerequisites
Integration of Apple Pay payment option includes registration of the merchant, verification of the testing domain and testing of the new payment option. Once the testing of the new payment option is done and verification of the production domain is completed, the payment option is ready to go live. The dedicated Payment Solution Specialist will be your partner during the integration process.
1. Registration with JPM MPS
The following information must be provided to the Product Solution Specialist prior to starting the registration procedure:
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Merchant's web shop testing domain.
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Merchant's legal name that will be shown to consumer in the checkout phase.
2. Testing Apple Pay on the test environment
The test devices must be enrolled with Apple as the sandbox devices.
To enroll the device, visit https://developer.apple.com/apple-pay/sandbox-testing/
Before using the device to test Apple Pay, check whether the device is compatible with Apple Pay: Devices compatible with Apple Pay.
The production device can be used for sandbox testing, but the "Check for Apple Pay" option in Safari settings should be disabled.
If you are unable to enroll the test device in Apple Sandbox follow the steps below.
- Create a new email address (that is not used or linked to the existing live user) to be used for sandbox testing as your Apple ID.
- Initial password for the Apple ID.
Register this email on developer.apple.com using the initial password and contact the dedicated Payment Solution Specialist with this information.
3. Integration prerequisites for Production
Before launching to production, another verification file for the production domain has to be verified by Apple.
- The merchant provides the Payment Solution Specialist with the production domain where the webshop will be hosted.
- The Payment Solution Specialist provides the merchant with the Apple verification file for production.
- The merchant hosts the verification file on the production environment of the webshop where the Apple JavaScript will be hosted and publicly available.
- Apple verifies the production domain, and it is possible to go live.
The file should be publicly accessible for verification on the following domain:
production_domain.com/.well-known/apple-developer-merchantid-domain-association.rtf
Do not modify the verification file provided by the Payment Solution Specialist.
Only VISA and Mastercard are supported Payment options for Apple Pay.
In case the same device is used for testing on both testing and production environment, enable Check for "Apple Pay" option in Safari settings.
Useful links when integrating Apple Pay
- Apple Pay on the Web Interactive Demo
- Apple Pay on the Web - Developer Documentation
- Apple Pay on the Web - Human Interface Guidelines
- Acceptable Use Guidelines for Apple Pay on the Web
Apple Pay Test Data
For testing Apple Pay in the sandbox environment, follow the instructions here: Apple Pay - Sandbox testing.