Planning for Apple Pay

Provide a fast, easy, and secure way for users to buy goods and services, and make donations in your iOS app, watchOS app, or on your website. Developers that implemented Apple Pay using best practices have substantially increased checkout conversion rates, customer loyalty and purchase frequency, and reduced checkout time.

Choosing 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

Apple Pay supports most e-commerce 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.

Here are some examples of transaction types supported by Apple Pay. Ask your payment service provider which transaction types they support.

Transaction type

Description

Example

Authorization & capture

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

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, or order online to pick up in store

Authorization & capture with different amount

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

Grocery delivery service where some items are priced by weight

Authorization unknown amount & capture

Authorize a transaction for an unknown amount and charge the amount 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 delivery

Fixed Subscription

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

Monthly gym membership

Flexible Frequency Subscription

Handle payments for services where frequency is inconsistent or the user has a choice to vary frequency

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

Flexible Amount Subscription

Handle payments for services where price varies based on consumption

Utility bill, or 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, or refund

Card verification

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

$0 or $1 authorizations

Understanding Apple Pay

Learn about the components and key concepts of implementing Apple Pay so you can easily accept payments and create a seamless user experience.

Participating Cards

Apple Pay works with many of the major credit, debit, and prepaid cards from top banks and card issuers around the world. View participating banks.

Working with Payment Service Providers

Using an SDK or JS API from a payment service 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 service 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 service provider is the quickest and most reliable way to support Apple Pay in your app or website. Contact your platform or payment service provider for more information. View e-commerce platforms and payment providers.

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 allows your website on Safari to check if the user has an Apple Pay capable device and if Apple Pay is set up. In China, Apple Pay on the web is supported in Safari on iOS only.

For details, see the Human Interface Guidelines and view the Apple Pay on the Web Demo.

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, see the Human Interface Guidelines and view the Apple Pay on the Web Demo.

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.

Accepting Donations

Nonprofit organizations that would like to accept donations in their app or website must be approved by Apple. To learn more, see Apple Pay for Donations.

Accepting Apple Pay Cash

Apple Pay Cash 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. Contact your payment service provider for details on accepting Discover debit or Apple Pay Cash, and any additional transaction requirements applicable to your region.

Web Content within Your App

Apple Pay works with both native and hybrid apps. To integrate Apple Pay into an app that has a web checkout experience, follow these steps. If your app uses Safari View Controller to display third-party web content that has integrated Apple Pay, the user will have an opportunity to use Apple Pay as if the content was viewed in Safari.

Making the Most of Apple Pay

These best practices often result in increased checkout conversion rates, substantially reduced checkout time, and increased customer loyalty and purchase frequency.

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.

Guidelines

As you plan and design your app and website for Apple Pay, make sure to follow these guidelines: