Flow of Apple Pay In-App Transactions Processed Using Merchant Decryption

This diagram illustrates the flow of in-app transaction processing using merchant decryption.

Figure:

In-App Transaction Processing with Merchant Decryption
In-App Processing with Merchant Decryption
  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 the Payment Token Format Reference article in the Apple Pay Developer Documentation.
  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.
    You must use the
    Business Center
     or one of the
    Cybersource
     API services to capture, credit, or void the authorization.