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 in order to securely handle transactions.
Where your business is domiciled dictates your ability to accept Apple Pay. Most merchants located in the following regions – contingent on their processing settings – can accept Apple Pay transactions from eligible customers with the indicated card types:
- United States - Visa, Mastercard, American Express, Discover
- Europe - Visa, Mastercard, American Express*
- APAC - Visa, Mastercard, American Express*
*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 our Accounts team 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
For mobile web purchases:
- iOS 10+
- Touch ID
For desktop web purchases:
- An iPhone or Apple Watch that can authorize the payment
- macOS Sierra 10.12+
At this time, Braintree merchants can accept Apple Pay from customers in the following countries:
- Hong Kong
- New Zealand*
- United Kingdom
- United States
*While customers in these locations will be able to make purchases using Apple Pay, merchants domiciled in these locations either cannot accept Apple Pay via Braintree, or are not eligible to onboard with Braintree.
Apple Pay transactions process and settle just like credit card transactions, but have their own unique payment type logo in the Control Panel so they can be easily identified.
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 prearbs 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 Accounts team.
CVV and AVS information is not made available for Apple Pay transactions—as a result, our Basic Fraud Tools are not compatible with Apple Pay. Since Apple uses a tokenization system to encrypt card information and reduce the risk of fraud, CVV and AVS are not necessary for use with Apple Pay.
Apple Pay cards can be vaulted and used for recurring billing or split shipment transactions. If you plan to use Apple Discover cards for these purposes, you must first contact Discover directly to obtain the proper permissions.
Apple Pay certificates expire after 25 months. To avoid any disruptions in processing, your developer will need to generate a new certificate, and upload it to the Control Panel before your current one expires. For full instructions on certificate renewal, see our developer docs.