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:- ACybersourceaccount. If you do not already have aCybersourceaccount, contact your localCybersourcesales representative.
- A live merchant account with a supported processor to handle processing the transactions.
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.
- Cybersourcesupports 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.
Merchant-initiated transactions, multiple partial captures, and subsequent authorizations
are described in
Authorizations with Payment Network Tokens.
Recurring payments and split shipments are described in
Credit Card Services Optional Features.
Processor | Card Types | Optional Features |
|---|---|---|
Visa Platform Connect Supported acquirers:
|
|
|
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.
Only the card types explicitly listed here are
supported.
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,CybersourcedecryptionCybersourcemanages the generation of the payment encryption key and the decryption of the Apple Pay response.This method reduces the exposure of sensitive payment data to your system.
- Withmerchant 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.