Introduction to Apple Pay

You can use the
Cybersource
 platform to process and manage Apple Pay transactions.
Apple Pay is a digital payment solution that allows customers to maake secure and convenient transactions using their Apple devices. By adding Apple Pay to your web page, you can offer your customers a faster and easier way to pay online, without requiring them to enter their card details or shipping information. Apple Pay also reduces the exposure of sensitive payment data to your system, as the payment information is encrypted and tokenized by Apple.

Requirements for Using Apple Pay

In order to use the
Cybersource
platform to process Apple Pay transactions, you must have these things:
  • A
    Cybersource
    account. If you do not already have a
    Cybersource
    account, contact your local
    Cybersource
    sales representative.
  • A live merchant account with a supported processor to handle processing the transactions.
  • An
    Admin
    or
    Team Agent
    user of the Apple Pay Developer account to initiate the transactions.
IMPORTANT
Apple Pay relies on authorizations with payment network tokens. You can sign up for Apple Pay only when these statements are true:
  • Your processor supports payment network tokens.
  • Cybersource
    supports payment network tokens with your processor.
If one of these statements is not true, you must take one of these actions before you can sign up for Apple Pay:
  • Obtain a new merchant account with a processor that supports payment network tokens.
  • Wait until your processor supports payment network tokens.

Supported Card Types and Optional Features

This table explains which card types and optional features are supported for each processor.
Processor
Card Types
Optional Features
Visa Platform Connect
Supported acquirers:
  • Australia and New Zealand Banking Group Limited (ANZ)
  • CitiBank Singapore Ltd.
  • Global Payments Asia Pacific
  • Vantiv
  • Westpac
  • JCB
  • mada cards debit cards and prepaid cards issued in the Kingdom of Saudi Arabia
  • Mastercard (including mada co-badged cards issued in the Kingdom of Saudi Arabia)
  • Visa (including mada co-badged cards issued in the Kingdom of Saudi Arabia)
  • Merchant-Initiated transactions
  • Multiple partial captures
  • Recurring payments

Payment Processors

Payment processors connect with acquirers. Before you can accept payments, you must register with
a payment processor
.
An acquirer might require you to use a payment processor with an existing relationship with the acquirer.
Your payment processor
assigns one or more merchant IDs (MIDs) to your business. These unique codes identify your business during payment transactions.
This table lists the processors and corresponding card types that are supported for payment services.
IMPORTANT
Only the card types explicitly listed here are supported.
Payment Processors and Supported Card Types
Payment Processor
Supported Card Types
Notes
Visa Platform Connect
Different card types are supported for each
Visa Platform Connect
acquirer. See Visa Platform Connect Acquirers.
The Visa Electron card type is processed the same way that the Visa debit card is processed. Use card type value 001 (Visa) for Visa Electron.

Apple Pay Integrations and Payload Decryption Methods

In response to a payment request, Apple Pay returns an encrypted payload that contains sensitive payment information. Two methods can be used to extract and decrypt the payment information, and both methods support Apple Pay in-app and web transactions.
  • With
    Cybersource
    decryption
    ,
    Cybersource
    manages the generation of the payment encryption key and the decryption of the Apple Pay response.
    IMPORTANT
    This method reduces the exposure of sensitive payment data to your system.
  • With
    merchant decryption
    , you manage both the payment encryption key generation and the decryption of the Apple Pay response.
The remainder of this section summarizes the flow of Apple Pay transaction processing for each decryption method.