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Apple Pay
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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 transactionsimpler and more secure alternative to using physical credit, debit, or prepaid cards. It allows you to accept payments in stores, apps, or on the web using built in hardware and software security features to make these payments easily, securely, and privately. MerchantE can facilitate the processing of transactions using Apple Pay directly from your website using the Payment Gateway or by using a Hosted Payment Page. This document outlines the process for submitting payments directly to the Payment Gateway. Adding a Payment Card to Apple WalletWhen 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.
Making a Purchase using Apple PayOnce 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.
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.
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.
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:
The contents of the decrypted payment token are then sent to the card issuer to complete the payment. |
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