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Integration Options

Cybersource
 supports Apple Pay in multiple integration options. Three of the most widely used options are
Cybersource
 decryption, merchant decryption. and Unified Checkout. Each option presents specific tradeoffs and advantages, and you can select the integration model that best fits your business.
Apple Pay integration is built into the
Cybersource
 payment management platform.
Cybersource
 offers two integration methods for handling the payment data returned by the Apple Pay service for processing payments. In response to an authorization request, Apple Pay returns payment data in an encrypted payload. The encrypted payment data is handled and processed differently, depending on which integration method is used. Both decryption methods support Apple Pay in-app and Apple Pay on the Web.

Cybersource
 Decryption

For
Cybersource
 decryption, you implement Apple Pay directly on your checkout page. You send
Cybersource
 all encrypted payment information that you receive from Apple Pay.
Cybersource
 creates and manages the Apple Pay decryption keys, extracts and decrypts payment information, and maps the information to the appropriate fields for authorization and other payment services on your behalf. Having
Cybersource
 process your Apple Pay transactions reduces your exposure to sensitive payment information.

Merchant Decryption

For merchant decryption, you (the merchant or the integrator) manage all aspects of the Apple Pay implementation, from generation of the payment encryption keys to decryption of the payment response payload from Apple Pay. As a merchant, you submit the Apple Pay payment token and other payment information to
Cybersource
 for processing. With merchant decryption, payment instrument details remain visible to you, and you control the technical development that decrypts this information.

Unified Checkout

Unified Checkout is a consolidated digital acceptance product. Unified Checkout offers a single implementation for multiple payment options. This integration type is designed for merchants looking for a single solution for integrating multiple digital payment options.
IMPORTANT
Unified Checkout is not covered in this guide. It is mentioned here for the sake of completeness.
For information about Unified Checkout, see the
Unified Checkout Integration Guide
.