Apple Pay is a digital wallet and mobile payment service that allows payors to make payments using their Apple devices. You can accept Apple Pay in the store using any of the hardware devices that Payabli supports. Payabli also supports Apple Pay for payments made online on any of the supported browsers on Apple devices.

How Apple Pay transactions work

1

Payor initiates transaction

The payor selects goods or services to buy and chooses Apple Pay as the payment method. The payor then authenticates the transaction using Face ID, Touch ID, or the device passcode.

2

Web or mobile app processes payment request

The website or mobile app, through integration with Payabli’s JS SDK, receives the payment request. This request includes an encrypted payment token representing the payor’s payment information. The token is unique to each transaction and is used to securely transmit payment data to Payabli.

3

Merchant platform handles payment token

Merchant’s software platform receives the encrypted payment token and uses Payabli integration to send the payment token in the transaction request to Payabli for payment processing.

4

Payabli processes transaction

The payment processor Payabli receives the transaction details including the encrypted payment token. Payabli decrypts the payment token and forwards the transaction to the acquirer.

5

Acquirer forwards transaction

The Acquirer receives the decrypted payment information from Payabli. It then forwards the transaction to the card network for authorization.

6

Card network reviews transaction

The card network reviews the transaction details and works with the card Issuer to either approve or decline the transaction.

7

Transaction completion

The transaction decision is sent back the same path from the card network to the acquirer to Payabli, and then to the merchant platform. The merchant platform then completes the transaction based on the response (approved or declined).

8

Confirmation to payor

When the transaction is complete, the merchant platform provides the customer with a transaction confirmation, such as a receipt.

Considerations

  • Apple Pay is available for one-time payments.
  • Currently, Payabli supports Apple Pay from the ExpressCheckout embedded component and hosted payment pages. It can’t be used with API transactions.

Get started

To get started, configure and activate Apple Pay via the API or the UI.