Process Cycle

Question

TheBearF8 OP

Created Apr ’16

Replies 2

Boosts 0

Views 1.2k

Participants 3

Hi All,

Players:

us : the development company

client : person who bought our app who provides a service to {owner} generates a PDF invoice with our app

owner : the client of our client above

So currently we have an app that generates an invoice for services rendered by the user

Can we (a) create an owner app whereby they can receive the PDF invoice from the client

But more importantly then use Apple Pay to pay the client (not us we are simply the developer) ?

Currently we do NOT have an owner app and the owner pays the client by check OR by paypal

which we have a paypal link in the email when the client sends the PDF invoice to the owner

Thanks in advance

Boost

Answer 1

KMT OP

Apr ’16

FYI, Apple Pay is just an Apple branded payment method to simplify payer interaction with a (compatible) backend payment processor. Your client's client/payee is not in that immediate loop.

I'm not even sure that loop would include your client...seems a bit pointless if I understand the 'transaction', which sounds more like payroll than purchase.

See this PDF for details:

https://developer.apple.com/apple-pay/Getting-Started-with-Apple-Pay.pdf

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Answer 2

simian OP

Jun ’16

Creating a payment in your case just means using

PKPaymentRequest

to start the payment flow. There is nothing fancy with your app need in terms of how it is implemented in Apple Pay. The Payment would get processed by a payment processor and this is where you need to start asking further questions about the possibilities. I would talk to your chosen processing company.

https://developer.apple.com/library/ios/ApplePay_Guide/Configuration.htm

In setting up apple pay for your app YOU register for a Merchant ID. Transactions are between you and your customers. You should talk to the payment processor about your 3 party situation and how (or if) this will work the way you expect it to... meaning: can you facilitate payment to a 2nd party from a 3rd party especially if the people getting the money (2nd party) do not have a merchant relationship with the payment processor. Likely you can not. More likely you will need to accept the payment yourself via Apple Pay, and then do an additional backend server transation (not Apple Pay) to pay the recipient company. The important part to remember is that a transation is always done between known customers and known merchants.

Is it always the same company that needs to receive the payment? If so THEY likely need to be the ones registering the Merchant ID and deal with the payment processor connected to their bank accounts. You would just be doing the coding for them. On the other hand, If I have understood you correctly and you are trying to be a marketplace, you likely need to have seperate transactions/payments between "client to marketplace" and "marketplace to service-provider". Only the "client to marketplace" transaction could use Apple Pay.

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