Apple Pay allows customers to make secure purchases using a credit or debit card associated with a supported Apple mobile device. Businesses can accept Apple Pay on newer versions of iOS and Safari, making it quick and easy for customers to buy on both mobile and the web.
Behind the scenes, Apple uses a tokenization service and encrypts the customer's card number, assigning it a device-specific identifier called a DPAN. Braintree and the processing banks then use this DPAN in place of the real card number to securely handle transactions.
Where your business is located dictates your ability to accept Apple Pay. Most merchants based in the following regions – contingent on their processing settings – can accept Apple Pay transactions from eligible customers with the indicated card types:
- APAC - Visa, Mastercard, American Express*
- Australia - Visa, Mastercard, American Express*
- Canada - Visa, Mastercard, American Express*
- Europe - Visa, Mastercard, American Express*
- New Zealand - Visa, Mastercard, American Express*
- United States - Visa, Mastercard, American Express, Discover
*To be eligible to accept Apple Pay with American Express in this region, you must be processing with your own Amex account.
If you are unsure of your setup, contact us for assistance.
Merchants domiciled in the United States who have integrated with Apple Pay can accept Discover cards from their customers without any additional integration work. If you are using split shipments or recurring billing on Apple Pay, you'll need to contact Discover to set up the proper permissions in order to avoid declines.
To pay with Apple Pay, customers must have devices with the following specifications.
For in-app purchases:
- iOS 8+
- Touch ID or Face ID
For mobile web purchases:
- iOS 10+
- Touch ID or Face ID
For desktop web purchases:
- An iPhone, iPad, Apple Watch, or Mac that can authorize the payment
- macOS Sierra 10.12+
At this time, our eligible merchants can accept Apple Pay from customers in all countries and regions supported by Apple Pay. For a complete list of locations where customers can pay with Apple Pay, see Apple's documentation.
Apple Pay transactions process and settle just like credit card transactions, but can be identified in the Control Panel by their unique payment type logo.
There are no additional fees for processing Apple Pay transactions – pricing for Apple Pay is the same as your other credit card transactions.
Chargebacks, retrievals, and pre-arbitrations on Apple Pay transactions behave in the same way as your credit card disputes, and should be responded to according to your merchant account setup. If you’re unsure how to handle a dispute, contact our Disputes team.
Apple uses a tokenization system to encrypt card information and reduce the risk of fraud. As a result, our Basic Fraud Tools are not compatible with Apple Pay.
We do still recommend collecting and passing billing address information, at miniumum billing postal code, and passing that billing postal code with all Apple Pay transactions as a best practice.
Apple Pay transactions are compatible with our Advanced Fraud Tools.
Because each unique Apple Pay transaction requires consent from the customer during the checkout flow, vaulting Apple Pay payment methods for future transactions will result in declines and is not recommended. However, Apple Pay cards can be vaulted and used for recurring billing and split shipment transactions because the customer consents to future transactions during checkout.
If you plan to use Apple Discover cards for these purposes, you must first contact Discover directly to obtain the proper permissions.
If you integrate with Apple Pay using our iOS client SDK, you will be required to configure an Apple Pay certificate before completing your integration. This certificate expires after 25 months and must be kept up-to-date to avoid any disruptions in your processing. For full instructions on how to generate a new certificate and upload it to the Control Panel, see our developer docs.