Apple Pay EMV mode

Question

Created Apr ’16

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Hi, is this a way to understand which mode is using by Apple Pay now? Real EMV or Magnetic Stripe Simulation mode?

When trying to use Apple Pay as a regular EMV Contactless card iOS device sends a limited number of EMV tags and any cryptogram related tags are missed.

Because of that there is no way to build full payment request and limited request is always rejected by payment processor.

When using Apple Pay in Magnetic Stripe Simulation mode(utilizing track2 information only) it works ok but it's not secure.

Thanks.

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Answer 1

simian OP

Jun ’16

EMV.

"Apple Pay conforms to the latest EMV standards for tokenizing transactions"

https://support.apple.com/en-ca/HT205645

https://www.apple.com/business/docs/iOS_Security_Guide.pdf

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Answer 2

aakashsgoyal OP

Feb ’18

Hi Alex,

I am trying to integrate Apple Pay using a standalone NFC reader and processing payments via Stripe. I am able to get the track data but everytime I try to process the txn it fails. Can you let me know how you were able to parse the track2 data for making it work? I am able to get the card number and expiry date properly but I am not sure if the CVC data I pass is proper. I used this document for setting the parsing rules - http://media.elotouch.com/Support/Pdf/magtek_mtd_opos.pdf. It would be great help if you can assist me.

Thanksk

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