Getting Started with Apple Pay

Overview

Apple Pay provides an easy and secure way for users to buy goods and services, and make donations in your iOS app, watchOS app, or on your website. Users can authorize payments using Face ID or Touch ID, or by double-clicking the side button of Apple Watch to release tokenized credit and debit card payment credentials that are securely stored on their device. They can also use Wallet to store their billing, shipping, and contact information, which can be provided along with payment credentials when they authorize the purchase within your app or website.

Apple Pay is faster and easier for users, since they can make purchases without having to enter billing, shipping, and contact details. Apple doesn't store or share credit or debit card numbers, reducing the risk for merchants and developers and increasing privacy for users. Learn more about Apple Pay security and privacy.

Developers that have implemented Apple Pay best practices have often doubled checkout conversion rates, substantially reduced checkout time, increased customer loyalty, and increased purchase frequency.

Apple Pay or In-App Purchase

Apple Pay. Implementing Apple Pay in your app or website allows you to sell physical goods such as groceries, clothing, and appliances; or services such as club memberships, hotel reservations, and tickets for events. Approved nonprofits can also use Apple Pay within an app or website to collect donations.

In-App Purchase. With in-app purchase, you can sell content and features — including premium content, digital goods, and subscriptions — within your app. The user’s default payment method on the App Store will be charged. To learn more about in-app purchase, see In-App Purchase for Developers.

Supported Transaction Types and Business Models

Apple Pay supports most eCommerce transaction types and offers the flexibility to accommodate simple to complex business models. Your payment service provider can help you define the best Apple Pay implementation to support your business model. The type of transaction flow you implement will impact your user experience and key business metrics such as conversion rate and risk exposure.

Here are some examples of transaction types supported by Apple Pay (note that not all transaction types are available in all countries/regions).

Transaction type

Description

Example

Authorization & capture

Reserve funds on a customer’s account and transfer money to your bank account

Online shopping where merchandise is readily available for shipping

Authorization & delayed capture

Reserve funds on a customer’s account and transfer money to your bank later

Pre-order, delivery service with tip, order online pick up in store

Authorization & capture with different amount

Reserve funds on a customer’s account and transfer money to your bank account once an order is successfully completed for an amount higher or lower than authorized

Groceries delivery service where some items are priced by actual weight

Authorization unknown amount & capture

Authorize a transaction with unknown amount, and charge the amount for the service later

Taxi ride

Partial shipment

Divide a purchase into multiple payments for goods that are not shipped together

Multi-item purchase, with more than one deliveries

Fixed Subscription

Handle repeating payments at a regular frequency and with a fixed amount

Gym monthly membership

Flexible Frequency Subscription

Handle payments for services where frequency is inconsistent or user has choice to reduce frequency

Meal subscriptions, where user can skip deliveries, reschedule delivery dates, change frequency of deliveries

Flexible Amount Subscription

Handle payments for services where amount varies base on your consumption

Utility bill, subscription with a promotion on the first month

Managed Subscription

Handle payments for services where the user can vary frequency and amount of services received

Meal delivery service with high flexibility

Canceled transactions

Reverse money for canceled, reimbursed or disputed transactions

Chargeback, voided transaction, refund

Card verification

Verify that the selected card is associated with a cardholder account that is valid and in good standing

Also known as $0 or $1 authorizations

Getting Ready

As you prepare your app or website to support Apple Pay, make sure to do the following:

Accepting Donations. Nonprofit organizations that would like to accept donations in their app or website must be approved by Apple. To learn more, including whether donations are supported in your country, see Apple Pay for Donations.

Countries and Regions. Apple Pay is available in the following countries and regions. In China, Apple Pay on the web is supported in Safari on iOS only.

Payment Providers

Using an SDK or JS API from a payment provider that supports Apple Pay is highly recommended. The alternative is to provide your own server-side solution to receive payments from your app or website, decrypt payment tokens and interface with the payment provider to process the authorization. Handling credit and debit card payments can be complicated and unless you already have the expertise and systems in place, an Apple Pay SDK or JS API from a payment provider is the quickest and most reliable way to support Apple Pay in your app or website. Contact your platform or payment provider for more information. For a list of payment providers and eCommerce platforms, see the Payment Platforms section of the Apple Pay page.

Presenting the Apple Pay Button

Within apps, PassKit provides the APIs that your app will use to determine if it is running on an Apple Pay capable device and if the device has been provisioned with payment cards that you support. For the web, Apple Pay on the web provides APIs that allow your website on Safari to check if the user has an Apple Pay capable device and if Apple Pay is set up.

For Apple Pay button usage and design guidance, see Apple Pay and Apple Pay on the Web in the Human Interface Guidelines.

Presenting the Payment Sheet

When a user selects goods or services to buy or an amount to donate, and selects Apple Pay as the payment method, you create a payment request and ask PassKit (for apps) or Safari (for websites) to present the payment sheet to the user. The payment sheet must immediately follow the user tapping the Apple Pay button, without any interim screens or pop-ups except to prompt for necessary product details, such as size or quantity.

Your app specifies the contents of the payment sheet, but it does not control the user’s interaction with the sheet. You must decide if it makes sense to present shipping and billing information, shipping method, and other line items to the user. You should only request the information necessary to process and service the transaction.

For details on integrating the Apple Pay button and customizing the Apple Pay payment sheet for your app, see Apple Pay in the Human Interface Guidelines.

The Payment Token

Once authorized by the user, your app or website receives a payment object, which contains an encrypted payment token from PassKit. The payment token encapsulates the information needed to complete a payment transaction, including the device-specific account number, the amount, and a unique, one-time-use cryptogram. The encrypted payment token can be decrypted by the merchant with the certificate private key or by the payment processor on behalf of the merchant.

In some cases, a developer may not be set up as the merchant of record; in this case, the developer can decrypt the payment token and pass the decrypted token downstream to the appropriate merchant for processing with its respective processor. The app or website must make it clear that they are an intermediary party. For more details, see Apple Pay in the Human Interface Guidelines.

Best Practices

Review and follow guidance from Apple Pay and Apple Pay on the Web in the Human Interface Guidelines, as well as the WWDC session videos Apple Pay Within Apps and Apple Pay on the Web.

Do not require registration before purchase.
Apple Pay provides an excellent opportunity to offer guest checkout to your users. Customers are less likely to abandon the purchase experience when there is as little friction as possible. After completing the purchase, you can make it easy for the customer to create an account by pre-populating a registration form with the information you received from the payment.

Add the Apple Pay button to your product detail page and cart checkout.
In addition to your “Add to Cart” button, place an Apple Pay button on your product detail pages so your customers can find what they want to buy and check out immediately. Make sure to also add Apple Pay as a payment option with your cart checkout.

Display the Apple Pay button prominently or set the default payment method to Apple Pay.
For customers that already have Apple Pay set up on their iOS device, provide Apple Pay as the primary payment option.

Do not ask for additional information outside of the Apple Pay payment sheet.
The Apple Pay payment sheet provides the shipping address, billing address, phone number, email, and name. The customer can also choose their shipping method from within the sheet. Requesting additional fields outside of the sheet adds friction that may cause purchase abandonment.

Offer the opportunity to set up Apple Pay on compatible devices.
If you determine that the user is on an Apple Pay capable device, but has not yet set up Apple Pay, consider displaying a Set Up Apple Pay button. Apple Pay is easier to set up than adding payment and shipping information on your website, and you and your customers will experience the security and privacy benefits of Apple Pay.

Common Questions and Answers

Which payment providers and eCommerce platforms support this service?
For a list of payment providers and eCommerce platforms, see the Payment Platforms section of the Apple Pay page.

Which countries and payment networks are supported?
Apple Pay works with many of the major credit, debit, and prepaid cards from the top banks and card issuers. View the current participating banks and supporting countries and regions.

Are there additional fees to accept Apple Pay?
Apple does not charge users, merchants or developers to use Apple Pay for payments.

Can I integrate Apple Pay into my app that has a web checkout experience?
Apple Pay works with both native and hybrid apps. For merchants leveraging a web-based checkout experience inside their apps, follow these steps.

What happens if my iOS app displays third-party web content that has integrated Apple Pay?
If your app uses Safari View Controller to display third-party web content that has already integrated Apple Pay, the user will have an opportunity to use Apple Pay, just as if the same content was viewed in Safari.

Can I make an Apple Pay purchase without knowing the final amount?
Yes, you can set the amount to “Pending”. See Apple Pay and Apple Pay on the Web in the Human Interface Guidelines for more information. Please contact your PSP to confirm any additional transaction requirements applicable to your region.

Can I use the same Merchant ID and certificate for my app and website?
Yes. Using the same Merchant ID and certificate to support Apple Pay on your app and website is recommend. Please contact your PSP to confirm any additional transaction requirements applicable to your region.

How can my app or web site accept the Apple Pay Cash card?
The Apple Pay Cash card is issued on the Discover debit network in the United States. If you accept Discover debit payments on your app or website, you already accept Apple Pay Cash cards. Contact your PSP for more information about accepting Discover debit, Apple Pay Cash, and any additional transaction requirements applicable to your region.

Where do I go if I have additional questions?
Contact Apple support if you have additional questions.