Apple Pay Integration
Apple Pay Integration
Apple Pay offers a fast, secure, and seamless payment experience across iOS and watchOS apps, as well as websites on Safari. With a simple Face ID, Touch ID, or a double-click on Apple Watch, users can instantly and securely share their payment, shipping, and contact details to complete transactions.
Key Features for Users
| Feature | Description |
|---|---|
| One-Tap Checkout | Quick and secure purchases with biometric authentication (Face ID/Touch ID) |
| Privacy Protection | Card numbers are never stored on device or shared with merchants |
| Cross-Device Support | Works seamlessly across iPhone, iPad, Mac, and Apple Watch |
| No Additional Fees | Users are not charged any extra fees for using Apple Pay |
Key Features for Merchants
| Feature | Description |
|---|---|
| Higher Conversion Rates | Simplified checkout reduces cart abandonment |
| Enhanced Security | Tokenized transactions reduce fraud risk |
| 3D Secure Compatible | Apple handles 3DS authentication with issuing bank |
| No Processing Fees | Apple does not charge merchants for Apple Pay transactions |
How Does Apple Pay Work?
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Card Tokenization: When a user adds a card to Apple Pay, the card number is replaced with a Device Account Number (DAN) - a unique token specific to that device.
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Secure Element Storage: The DAN is stored in the Secure Element, a dedicated chip on Apple devices that isolates payment information from the operating system.
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Dynamic Security Code: For each transaction, Apple Pay generates a one-time dynamic security code that validates the payment.
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Biometric Authentication: Users authenticate payments using Face ID, Touch ID, or device passcode.
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Network Processing: The tokenized payment is sent through the payment network, which de-tokenizes it and processes the transaction with the issuing bank.
Supported Payment Networks
- Visa
- Mastercard
- American Express
- Diners Club
- Discover (in supported regions)
Goals
| Goal | Description |
|---|---|
| Increase Conversion | Reduce checkout friction and cart abandonment |
| Enhance Security | Leverage tokenization and biometric authentication |
| Improve User Experience | Provide seamless, one-tap payment experience |
| Expand Payment Options | Offer modern digital wallet support for customers |
Apple Pay Flow
High-Level Flow
Technical Summary
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User initiates payment by tapping the Apple Pay button. Apple Pay payment sheet appears with card and shipping info.
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User authenticates with Face ID, Touch ID, or passcode.
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Merchant server requests session validation from PayU.
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PayU sends validation request to Apple servers.
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Apple returns a valid merchant session object.
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PayU forwards session to merchant for completion.
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Apple generates encrypted payment token with card data.
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Merchant sends token to PayU for payment processing.
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PayU returns transaction status to merchant.
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Merchant shows success/failure to customer.
Flow for Non-Seamless / Selective Seamless Merchants
For merchants using PayU's hosted checkout:
- Customer selects Apple Pay on PayU checkout page
- PayU displays Apple Pay payment sheet
- Customer authenticates and authorizes payment
- PayU processes the payment and returns result
- Customer is redirected to merchant's success/failure URL
Flow for Seamless Merchants (Direct API)
For merchants with direct API integration:
- Merchant displays Apple Pay button on their checkout page
- Customer taps Apple Pay button
- Merchant creates ApplePaySession and handles
onvalidatemerchantevent - Merchant server calls PayU API for merchant validation
- PayU validates with Apple and returns session
- Merchant completes merchant validation with session
- Customer authenticates payment
- Merchant receives payment token in
onpaymentauthorizedevent - Merchant sends token to PayU
_paymentAPI withpg=APPLEPAY - PayU processes payment and returns response
- Merchant completes payment and shows result
Updated 8 days ago