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Excerpt
nameApple Pay

The Apple Pay offers a way for customers to make payments quickly and securely by saving payment methods to the Apple service. When a customer makes a purchase on your website, they are present with the saved payment options. They can then chose the payment option to use and complete the transaction.

Adding a Payment Card to Apple Wallet

When a customer creates an Apple Wallet account, payment methods must be added to wallet to make purchases. The diagram below shows the process which enables a payment method in Apple Wallet.

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  1. Customer adds a payment card the physical card number (FPAN) to Apple Wallet.

  2. Apple Wallet adds the device primary account number (DPAN) and personal details to the Apple Pay server.

  3. Apple Pay registers the DPAN and person details with the Issuer Bank.

  4. The Issuer Bank generates the Payment Token, Payment Token Key, and CVV Key and sends it to Apple Pay.

  5. Apple Pay generates the DPAN and provides the Payment Token Key, and CVV Key to Apple Walletcoordinates with the card network to validate the customer.

  6. The DPAN is generated and added to the iPhone secure element. The DPAN from the iPhone secure element is then used for Apple Pay transactions.

Making a Purchase using Apple Pay

Once payment methods have been added to Apple Pay, the method can be used to make purchases from Apple Pay compliant merchants. The diagram below shows the transaction processing when a purchase is made using Apple Pay.

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  • Apple Wallet verifies the customer identity and sends the DPAN and the Dynamic Cryptogram to the Merchant.

  • The Merchant provides the Payment Token to MerchantE.

  • MerchantE sends the DPAN and Dynamic Cryptogram to the Issuer Bank.

  • The Issuer Bank verifies the transaction.

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    1. Biometric authentication is used to verify the customer.

    2. The Apple Pay servers encrypt the DPAN from the secure element to generate a payment token.

    3. The payment token is sent to the Merchant or the Hosted Payment Portal. If using the Payment Gateway directly, the payment token must be decoded.

    4. The transaction information is sent to MerchantE.

    5. The Merchant receives the verification and completes the transaction.

    6. Apple Wallet is notified of the approved transaction.

    When a user purchases goods or services from your website, PassKit (mobile) or Apple Pay JS (Safari) determines they are using a qualified device. If they are using a qualified device, the Apple Pay button will appear as one of the payment options.

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    Note: The Apple Pay button will only be displayed if using an approved Apple device or the Safari browser.

     If the customer selects Apple Pay as the payment method, they are immediately presented with the Payment Sheet. The Payment Sheet will present the customer with their stored payment options. This includes the card payment option and address.

    Info

    Note: If no payment options are available, the customer will be directed to set up an Apple Pay account with stored payment options.

    Once the customer has selected a payment option and authorizes the request using a linked device, a payment request is created. If authorization succeeds, a payment object is generated. The payment object contains all the customer data and the payment token.

    The payment token is then decrypted by the MerchantE Payment Gateway. The decrypted payment token contains:

    • Device specific authorization number (DPAN)

    • Payment amount

    • One-time-use cryptogram

    The contents of the decrypted payment token are then sent to the card issuer to complete the payment.

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