On This Page
REST API | American Express

In-App Transactions Using the
Cybersource
 API and Merchant Decryption

merchant decryption illustration
  1. When the customer chooses to pay with Apple Pay, you use the Apple PassKit Framework to request the encrypted payment data from Apple.
  2. Apple uses the Secure Element to create a payment token and encrypt the token’s payment data before it sends your application.
    The payment token is the
    PKPaymentToken
     structure.
    The payment data is the
    paymentData
     field of the
    PKPaymentToken
     structure.
  3. You forward the encrypted payment data to your order management system to decrypt. For information on decryption, see:
  4. Using the
    Cybersource
     API, you submit the authorization request and include the decrypted payment data.
  5. Cybersource
     forwards the information to the payment network, which includes your processor and the relevant payment card company.
    IMPORTANT
    You must use the Business Center or one of the
    Cybersource
     API services to capture, credit, or void the authorization.
    Refer to the
    Credit Card Services
     guide (see Related information below) for information.