# Apple Pay overview

> Accept secure Apple Pay payments with Payabli. Leverage Face ID, Touch ID authentication for fast, convenient checkout on Apple devices with enterprise-grade security

<AudienceInfo audiences={['developers']} />

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 except for Safari 17 and below on iOS.

## How Apple Pay transactions work

<Steps>
  <Step title="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.
  </Step>

  <Step title="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.
  </Step>

  <Step title="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.
  </Step>

  <Step title="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.
  </Step>

  <Step title="Acquirer forwards transaction">
    The Acquirer receives the decrypted payment information from Payabli. It then forwards the transaction to the card network for authorization.
  </Step>

  <Step title="Card network reviews transaction">
    The card network reviews the transaction details and works with the card Issuer to either approve or decline the transaction.
  </Step>

  <Step title="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).
  </Step>

  <Step title="Confirmation to payor">
    When the transaction is complete, the merchant platform provides the customer with a transaction confirmation, such as a receipt.
  </Step>
</Steps>

<Frame caption="Apple Pay transaction flow">
  <img src="https://files.buildwithfern.com/payabli.docs.buildwithfern.com/87f94e59389b82fd6eaf5c0f610ba82095e8f4441ef4eee1be5bae9a82cbaf9f/images/generated-diagrams/apple-pay-overview.svg" alt="Apple Pay transaction flow from user to payment network" aria-describedby="apple-pay-overview-desc" />
</Frame>

<div id="apple-pay-overview-desc" class="sr-only">
  <h4>
    Diagram: Apple Pay Transaction Flow
  </h4>

  <p>
    This diagram shows how Apple Pay transactions are processed through the payment network:
  </p>

  <ul>
    <li>
      User authenticates with Touch ID or Face ID in the app or website
    </li>

    <li>
      App/website sends encrypted Apple Pay payment object to merchant platform
    </li>

    <li>
      Merchant platform maps data to Payabli's PSP API/SDK
    </li>

    <li>
      Payabli (PSP) decrypts the payment token and sends transaction for authorization to the acquirer
    </li>

    <li>
      Acquirer tokenizes and authorizes the payment through the payment network
    </li>

    <li>
      Authorization response travels back through the same path to complete the transaction
    </li>
  </ul>
</div>

## Considerations

* Apple Pay is available for one-time payments.
* Payabli supports Apple Pay from the ExpressCheckout embedded component and hosted payment pages. You can't use Apple Pay for API transactions.
* The ExpressCheckout embedded component doesn't support Apple Pay for Safari versions lower than 17 on iOS.

## Get started

To get started, configure and activate Apple Pay via [the API](/guides/pay-in-developer-wallets-apple-pay-enable).

## Related resources

See these related resources to help you get the most out of Payabli.

<AccordionGroup>
  <Accordion title="Next steps">
    * **[Activate Apple Pay (API)](/guides/pay-in-developer-wallets-apple-pay-enable)** - Learn about setting up Apple Pay via the Payabli API
    * **[Manage Apple Pay (API)](/guides/pay-in-developer-wallets-apple-pay-manage)** - Learn about managing Apple Pay and payment method domains via the Payabli API
  </Accordion>
</AccordionGroup>