Recent Revisions to This Document {#applepay-doc-revisions}
===========================================================

24.02
-----

Clarified Apple Pay requirements. See [Requirements for Using Apple Pay](/docs/cybs/en-us/apple-pay/developer/smartpay/so/applepay/applepay-intro/applepay-requirements.md "").

24.01
-----

This revision contains only editorial changes and no technical updates.

23.04
-----

This revision contains only editorial changes and no technical updates.

23.03
-----

This revision contains only editorial changes and no technical updates.

23.02
-----

This revision contains only editorial changes and no technical updates.

About This Guide {#applepay-about-guide}
========================================

This section describes the audience and purpose of this guide and the conventions used in this guide.

Audience and Purpose
--------------------

This document is written for merchants who want to use Apple Pay in an iOS application and use information from Apple to process payments through `Cybersource`. This document provides an overview for integrating Apple and `Cybersource` services into an order management system.

Conventions
-----------

The following special statement is used in this document:

> An *Important* statement contains information essential to successfully completing a task or learning a concept.

Customer Support
----------------

For support information about any service, visit the Support Center:  
<http://support.visaacceptance.com>

Introduction to Apple Pay {#applepay-intro}
===========================================

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 {#applepay-requirements}
=========================================================

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](https://ebc2.cybersource.com/ebc2/registration/external "") with a [supported processor](/docs/cybs/en-us/apple-pay/developer/smartpay/so/applepay/applepay-intro/applepay-processors.md "") to handle processing the transactions.
* An *Admin* or *Team Agent* user of the [Apple Pay Developer](https://developer.apple.com/apple-pay/ "") account to initiate the transactions.
  {#applepay-requirements_ul_scm_kwb_s4b}

> 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.
>
> {#applepay-requirements_ul_ugr_qxb_s4b}  
> 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.
>   {#applepay-requirements_ul_tf5_txb_s4b}

Supported Card Types and Optional Features {#applepay-processors}
=================================================================

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](https://docs.cybersource.com/content/dam/new-documentation/documentation/en/auths-pnt/developer/all/so/auths-pnt-so.pdf ""). Recurring payments and split shipments are described in [Credit Card Services Optional Features](https://docs.cybersource.com/content/dam/new-documentation/documentation/en/credit-card/supplement/credit-card-services-optional-features-so.pdf "").

|          Processor           |                                 Card Types                                  |                                 Optional Features                                  |
|------------------------------|-----------------------------------------------------------------------------|------------------------------------------------------------------------------------|
| `Chase Paymentech Solutions` | * American Express * Discover * Maestro (International) * Mastercard * Visa | * Merchant-initiated transactions * Multiple partial captures * Recurring payments |

Payment Processors {#cc-payments-processing-requirements}
=========================================================

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 |
|------------------------------|--------------------------------------------------------------------------------------------------------|-------|
| `Chase Paymentech Solutions` | Visa, Mastercard, American Express, Discover, Diners Club, JCB, Carte Blanche, Maestro (International) |       |
[Payment Processors and Supported Card Types]

Apple Pay Integrations and Payload Decryption Methods {#applepay_integration_intro}
===================================================================================

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. 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.

Flow of Apple Pay In-App Transactions Processed Using `Cybersource` Decryption {#applepay-inapp-txn-cybs-decrypt}
=================================================================================================================

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

#### Figure:

In-App Transaction Processing with `Cybersource` Decryption  
![In-App Processing with non-Merchant Decryption](/content/dam/new-documentation/documentation/en-us/topics/payments-processing/card-processing/applepay/images/api-method.png/jcr:content/renditions/original)

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.
4. Using the `Cybersource` API, you submit the authorization request. In the encryptedPayment_data field, include the Base64-encoded value that you obtained from the paymentData field of the `PKPaymentToken` structure.
5. `Cybersource` decrypts the payment data and 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.

Flow of Apple Pay In-App Transactions Processed Using Merchant Decryption {#applepay-inapp-txn-merchant-decrypt}
================================================================================================================

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](/content/dam/new-documentation/documentation/en-us/topics/payments-processing/card-processing/applepay/images/api-method.png/jcr:content/renditions/original)

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](https://developer.apple.com/library/archive/documentation/PassKit/Reference/PaymentTokenJSON/PaymentTokenJSON.md#//apple_ref/doc/uid/TP40014929-CH8-SW1 "") 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.

Flow of Apple Pay Web Transactions Using `Cybersource` Decryption {#applepay-web-txn-cybs-decrypt}
==================================================================================================

1. When the customer chooses to pay with Apple Pay, you use the Apple Pay JavaScript 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 using the `onpaymentauthorized` event handler.

   * The payment token is the `ApplePayPaymentToken` structure.
   * The payment data is the paymentData field of the `ApplePayPaymentToken` structure.

   For more information, see [Apple Pay on the Web Interactive Demo](https://applepaydemo.apple.com/ "").

3. You forward the encrypted payment data to your order management system.

4. Using the `Cybersource` API, you submit the authorization request. In the encryptedPayment_data field, include the Base64-encoded value obtained from the paymentData field of the `ApplePayPaymentToken` structure.

5. `Cybersource` decrypts the payment data and forwards the information to the payment network, which includes your processor and the relevant payment card company. Use the ` Business Center ` or one of the ` Cybersource ` API services to capture, credit, or void the authorization.

Flow of Apple Pay Web Transactions Using Merchant Decryption {#applepay-web-txn-merchant-decrypt}
=================================================================================================

1. When the customer chooses to pay with Apple Pay, you use the Apple Pay JavaScript 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 using the `onpaymentauthorized` event handler.

   * The payment token is the `ApplePayPaymentToken` structure.
   * The payment data is the paymentData field of the `ApplePayPaymentToken` structure.

   For more information, see [Apple Pay on the Web Interactive Demo](https://applepaydemo.apple.com/ "").

3. You forward the encrypted payment data to your order management system to decrypt. For information on decryption, see the [Payment Token Format Reference](https://developer.apple.com/library/archive/documentation/PassKit/Reference/PaymentTokenJSON/PaymentTokenJSON.md#//apple_ref/doc/uid/TP40014929-CH8-SW1 "") article in the Apple Pay Developer Documentation.

4. Using the `Cybersource` API, you submit the authorization request and include the decrypted payment data. See [Authorization Service](/docs/cybs/en-us/apple-pay/developer/smartpay/so/applepay/applepay-txns-intro/applepay-auth-intro.md "").

5. `Cybersource` forwards the information to the payment network, which includes your processor and the relevant payment card company. Use the ` Business Center ` or one of the ` Cybersource ` API services to capture, credit, or void the authorization.

Configuring Apple Pay Processing {#applepay-configuring-intro}
==============================================================

A successful Apple Pay response to a payment request returns an encrypted payload that contains sensitive payment information. The payment information is extracted and decrypted using `Cybersource` decryption or merchant decryption.  
Before you can process Apple Pay transactions, you must complete these configuration tasks:

Generating and Loading a New Certificate Signing Request
:
For processing Apple Pay transactions using `Cybersource` decryption, you must first generate an Apple Pay encryption key on the business portal and load it into the Apple development portal.
:
For merchant decryption, this configuration task is not needed.

Configuring Apple Pay Response Handling
:
After the payment token is received, the transaction is finalized when you extract and decrypt the payment data. `Cybersource` decryption and merchant decryption methods consist of different configuration steps.

Generating and Loading a New Certificate Signing Request {#applepay_enrolling}
==============================================================================

This task is required in order to process Apple Pay transactions using `Cybersource` decryption. It does not apply to merchant decryption.
Follow these steps in order to configure Apple Pay in the `Cybersource` `Business Center`:

1. Log in to the `Business Center`:

   * Test: [businesscentertest.cybersource.com](https://businesscentertest.cybersource.com "")
   * Production: [businesscenter.cybersource.com](https://businesscenter.cybersource.com "")
2. On the left navigation panel, click the Payment Configuration icon.

3. Click Digital Payment Solution. The Digital Payments page appears. If you do not have the correct permissions enabled on your account, the Digital Payment Solution option does not appear on the left navigation panel.

4. Click Configure. The Apple Pay Registration panel opens.

5. Enter your Apple Merchant ID.

6. Click Generate New CSR.

7. To download your CSR, click the Download icon next to the key.

8. Follow your browser's instructions to save and open the file.

9. Complete the enrollment process by submitting your CSR to Apple.

10. For information about adding certificates to your Apple Merchant ID, refer to the Apple Pay PassKit:

    #### ADDITIONAL INFORMATION

    * In-App: [Setting Up Apple Pay](https://developer.apple.com/documentation/passkit/apple_pay/setting_up_apple_pay "")
    * Website: [Configuring Your Environment](https://developer.apple.com/documentation/apple_pay_on_the_web/configuring_your_environment "")
      {#applepay_enrolling_ul_kss_yb1_mrb}
11. Test your software by following the steps in [Authorization Service](/docs/cybs/en-us/apple-pay/developer/smartpay/so/applepay/applepay-txns-intro/applepay-auth-intro.md "").

    #### ADDITIONAL INFORMATION

    > If you are using a ` Cybersource ` test account, you must connect to the [Apple sandbox](https://developer.apple.com/apple-pay/sandbox-testing/ "") tester account and not to the Apple production system.  
    > After you complete your testing, you must create a new CSR for the ` Cybersource ` production system, and you must use that CSR for the Apple production system. Until you perform these steps, you cannot enable payments in your iOS application or website.

12. Repeat Steps 1 through 11 with your `Cybersource` production account and the Apple production account.

Configuring Apple Pay Response Handling {#applepay-web-configuring}
===================================================================

Configure one of the following decryption methods that will handle the response payload of a successful Apple Pay transaction.

1. After the payment token is received, the transaction is finalized when you extract and decrypt the payment data.
   * **`Cybersource` Decryption** :  
     This method forwards the encrypted payment data to your order management system. Use the `Cybersource` API to submit the authorization request, and include the Base64-encoded value obtained from the `paymentData` object in the encryptedPayment_data field.  
     Example of `Cybersource`decryption:

     ```
     session.onpaymentauthorized = function (event) {
         var paymentDataString = JSON.stringify(event.payment.token.paymentData);
         var paymentDataBase64 = btoa(paymentDataString);
     }
     ```
   * **Merchant Decryption** :  
     This method forwards the encrypted payment data to your order management system to decrypt. Use the `Cybersource` API to submit the authorization request and include the decrypted payment data.  
     For detailed information about decryption, see [Payment Token Format Reference](https://developer.apple.com/library/ios/documentation/PassKit/Reference/PaymentTokenJSON/PaymentTokenJSON.md#//apple_ref/doc/uid/TP40014929-CH8-SW1 "") in the Apple Developer Center.

Processing Apple Pay Transactions {#applepay_txns_intro}
========================================================

This section provides information about the different kinds of Apple Pay transactions that you can submit:

Authorizing a Payment Using `Cybersource` Decryption or Merchant Decryption
:
You can request the authorization service using these decryption methods:

    * `Cybersource` decryption: Within this integration, `Cybersource` facilitates all of the encryption key generation and decryption processes associated with implementing Apple Pay. This method reduces the exposure of the sensitive payment data to your system.
    * Merchant decryption: Within this integration, you manage all aspects of the Apple Pay integration, from generation of the payment encryption keys to decryption of the Apple Pay payload response. As a merchant, you submit the Apple Pay payment token and other payment information to `Cybersource` for processing.

Reversing an Authorization
:
This service uses the request ID returned from the previous authorization. An authorization reversal releases the hold that the authorization placed on the customer's credit card funds. Use this service to reverse an unnecessary or undesired authorization.

Capturing a Payment
:
This service uses the request ID returned from the previous authorization. The request ID links the capture to the authorization. Use this service to transfer funds from the customer's account to your bank. The transaction typically completes in two to four days.

Authorizing and Capturing a Payment
:
A bundled authorization and capture is called a **sale** . Request the authorization and capture services at the same time. `Cybersource` processes the capture immediately.

Authorization Service {#applepay-auth-intro}
============================================

This section provides the information that you need for requesting the authorization service using these methods which determine the request fields that are required to request the authorization service. In addition, different request fields are required in order to request the authorization service. The type of card used to process the transaction determines which request fields are used.  
After you send the request, verify the response messages to make sure that the request was successful. A value of `ACCEPT` for the decision field indicates success.  
For information about response codes, see [Reason Codes for the Simple Order API](https://developer.cybersource.com/docs/cybs/en-us/reason-codes-so/reference/all/so/reason-codes-so/reason-codes-so.md "").

Endpoint {#applepay-auth-intro_d11e16}
--------------------------------------

Set the ccAuthService_run field to `true`.  
Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`.

Authorizations Using `Cybersource` Decryption for American Express {#applepay-auth-cybs-intro-amex}
===================================================================================================

This section shows you how to process an authorization using `Cybersource` decryption for American Express.

Required Fields for Authorizing a Payment Using `Cybersource` Decryption for American Express {#applepay-auth-reqfields-cybs-amex}
==================================================================================================================================

billTo_city
:

billTo_country
:

billTo_email
:

billTo_firstName
:

billTo_lastName
:

billTo_postalCode
:

billTo_state
:

billTo_street1
:

ccAuthService_run
:
Set this field to `true`.

encryptedPayment_data
:
Set this field to the Base64-encoded value obtained from the `paymentData` property of the `PKPaymentToken` object.

encryptedPayment_descriptor
:
Set this field to `RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U`.

merchantID
:

merchantReferenceCode
:

paymentSolution
:
Set this field to `001`.

purchaseTotals_currency
:

purchaseTotals_grandTotalAmount
:
Either purchaseTotals_grandTotalAmount or item_#_unitPrice must be included in the request.

Related Information {#applepay-auth-reqfields-cybs-amex_section_m52_cx4_1yb}
----------------------------------------------------------------------------

* [API Field Reference for the Simple Order API](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/api-fields-so-intro.md "")
  {#applepay-auth-reqfields-cybs-amex_ul_n52_cx4_1yb}

Optional Fields for Authorizing a Payment for Apple Pay Transactions {#appplepay_auth_opt_fields_cybs_decrypt}
==============================================================================================================

You can include these optional fields in a request for an authorization:

paymentNetworkToken_requestorID
:
Set this field to your token requestor ID that is assigned by the token service provider.

Related Information {#appplepay_auth_opt_fields_cybs_decrypt_section_ynd_dx4_1yb}
---------------------------------------------------------------------------------

* [API Field Reference for the Simple Order API](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/api-fields-so-intro.md "")
  {#appplepay_auth_opt_fields_cybs_decrypt_ul_znd_dx4_1yb}

Simple Order XML Example: `Cybersource` Decryption and American Express {#applepay-auth-ex-xml-cybs-amex-so}
============================================================================================================

Request

```
&lt;requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121"&gt;
    &lt;merchantID&gt;demomerchant&lt;/merchantID&gt;
    &lt;merchantReferenceCode&gt;demorefnum&lt;/merchantReferenceCode&gt;
    &lt;billTo&gt;
        &lt;firstName&gt;Jane&lt;/firstName&gt;
        &lt;lastName&gt;Smith&lt;/lastName&gt;
        &lt;street1&gt;123 Main Street&lt;/street1&gt;
        &lt;city&gt;Small Town&lt;/city&gt;
        &lt;state&gt;CA&lt;/state&gt;
        &lt;postalCode&gt;98765&lt;/postalCode&gt;
        &lt;country&gt;US&lt;/country&gt;
        &lt;email&gt;jsmith@example.com&lt;/email&gt;
    &lt;/billTo&gt;
    &lt;purchaseTotals&gt;
        &lt;currency&gt;USD&lt;/currency&gt;
        &lt;grandTotalAmount&gt;5.00&lt;/grandTotalAmount&gt;
    &lt;/purchaseTotals&gt;
    &lt;encryptedPayment&gt;
        &lt;descriptor&gt;RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U&lt;/descriptor&gt;
        &lt;data&gt;ABCDEFabcdefABCDEFabcdef0987654321234567&lt;/data&gt;
        &lt;encoding&gt;Base64&lt;/encoding&gt;
    &lt;/encryptedPayment&gt;
    &lt;card&gt;
        &lt;cardType&gt;003&lt;/cardType&gt;
    &lt;/card&gt;
    &lt;paymentSolution&gt;001&lt;/paymentSolution&gt;
&lt;/requestMessage&gt;
```

Response to a Successful Request

```
&lt;c:replyMessage&gt;
    &lt;c:merchantReferenceCode&gt;demorefnum&lt;/c:merchantReferenceCode&gt;
    &lt;c:requestID&gt;4465840340765000001541&lt;/c:requestID&gt;
    &lt;c:decision&gt;ACCEPT&lt;/c:decision&gt;
    &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
    &lt;c:requestToken&gt;Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u&lt;/c:requestToken&gt;
    &lt;c:token&gt;
        &lt;c:expirationMonth&gt;07&lt;/c:expirationMonth&gt;
        &lt;c:expirationYear&gt;2025&lt;/c:expirationYear&gt;
        &lt;c:prefix&gt;239845&lt;/c:prefix&gt;
        &lt;c:suffix&gt;2947&lt;/c:suffix&gt;
    &lt;/c:token&gt;
    &lt;c:purchaseTotals&gt;
        &lt;c:currency&gt;USD&lt;/c:currency&gt;
    &lt;/c:purchaseTotals&gt;
    &lt;c:ccAuthReply&gt;
        &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
        &lt;c:amount&gt;5.00&lt;/c:amount&gt;
        &lt;c:authorizationCode&gt;888888&lt;/c:authorizationCode&gt;
        &lt;c:avsCode&gt;X&lt;/c:avsCode&gt;
        &lt;c:avsCodeRaw&gt;I1&lt;/c:avsCodeRaw&gt;
        &lt;c:authorizedDateTime&gt;2015-11-03T20:53:54Z&lt;/c:authorizedDateTime&gt;
        &lt;c:processorResponse&gt;100&lt;/c:processorResponse&gt;
    &lt;c:reconciliationID&gt;11267051CGJSMQDC&lt;/c:reconciliationID&gt;
    &lt;/c:ccAuthReply&gt;
&lt;/c:replyMessage&gt;
```

Authorizations Using `Cybersource` Decryption for Discover {#applepay-auth-cybs-intro-discover}
===============================================================================================

This section provides the information you need in order to process an authorization using `Cybersource` decryption for Discover.

Required Fields for Authorizing a Payment Using `Cybersource` Decryption for Discover {#applepay-auth-reqfields-cybs-discover}
==============================================================================================================================

billTo_city
:

billTo_country
:

billTo_email
:

billTo_firstName
:

billTo_lastName
:

billTo_postalCode
:

billTo_state
:

billTo_street1
:

ccAuthService_run
:
Set this field to `true`.

encryptedPayment_data
:
Set this field to the Base64-encoded value obtained from the `paymentData` property of the `PKPaymentToken` object.

encryptedPayment_descriptor
:
Set this field to `RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U`.

merchantID
:

merchantReferenceCode
:

paymentSolution
:
Set this field to `001`.

purchaseTotals_currency
:

purchaseTotals_grandTotalAmount
:
Either purchaseTotals_grandTotalAmount or item_#_unitPrice must be included in the request.

Related Information {#applepay-auth-reqfields-cybs-discover_section_hx1_2x4_1yb}
--------------------------------------------------------------------------------

* [API Field Reference for the Simple Order API](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/api-fields-so-intro.md "")
  {#applepay-auth-reqfields-cybs-discover_ul_ix1_2x4_1yb}

Simple Order XML Example: `Cybersource` Decryption and Discover {#applepay-auth-ex-xml-cybs-discover-so}
========================================================================================================

Request

```
&lt;requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121"&gt;
    &lt;merchantID&gt;demomerchant&lt;/merchantID&gt;
    &lt;merchantReferenceCode&gt;demorefnum&lt;/merchantReferenceCode&gt;
    &lt;billTo&gt;
        &lt;firstName&gt;Jane&lt;/firstName&gt;
        &lt;lastName&gt;Smith&lt;/lastName&gt;
        &lt;street1&gt;123 Main Street&lt;/street1&gt;
        &lt;city&gt;Small Town&lt;/city&gt;
        &lt;state&gt;CA&lt;/state&gt;
        &lt;postalCode&gt;98765&lt;/postalCode&gt;
        &lt;country&gt;US&lt;/country&gt;
        &lt;email&gt;jsmith@example.com&lt;/email&gt;
    &lt;/billTo&gt;
    &lt;purchaseTotals&gt;
        &lt;currency&gt;USD&lt;/currency&gt;
        &lt;grandTotalAmount&gt;5.00&lt;/grandTotalAmount&gt;
    &lt;/purchaseTotals&gt;
    &lt;encryptedPayment&gt;
        &lt;descriptor&gt;RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U&lt;/descriptor&gt;
        &lt;data&gt;ABCDEFabcdefABCDEFabcdef0987654321234567&lt;/data&gt;
        &lt;encoding&gt;Base64&lt;/encoding&gt;
    &lt;/encryptedPayment&gt;
    &lt;card&gt;
        &lt;cardType&gt;004&lt;/cardType&gt;
    &lt;/card&gt;
    &lt;paymentSolution&gt;001&lt;/paymentSolution&gt;
    &lt;ccAuthService run="true"/&gt;
&lt;/requestMessage&gt;   
```

Response to a Successful Request

```
&lt;c:replyMessage&gt;
    &lt;c:merchantReferenceCode&gt;demorefnum&lt;/c:merchantReferenceCode&gt;
    &lt;c:requestID&gt;4465840340765000001541&lt;/c:requestID&gt;
    &lt;c:decision&gt;ACCEPT&lt;/c:decision&gt;
    &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
    &lt;c:requestToken&gt;Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u&lt;/c:requestToken&gt;
    &lt;c:token&gt;
        &lt;c:expirationMonth&gt;07&lt;/c:expirationMonth&gt;
        &lt;c:expirationYear&gt;2025&lt;/c:expirationYear&gt;
        &lt;c:prefix&gt;239845&lt;/c:prefix&gt;
        &lt;c:suffix&gt;2947&lt;/c:suffix&gt;
    &lt;/c:token&gt;
    &lt;c:purchaseTotals&gt;
        &lt;c:currency&gt;USD&lt;/c:currency&gt;
    &lt;/c:purchaseTotals&gt;
    &lt;c:ccAuthReply&gt;
        &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
        &lt;c:amount&gt;5.00&lt;/c:amount&gt;
        &lt;c:authorizationCode&gt;888888&lt;/c:authorizationCode&gt;
        &lt;c:avsCode&gt;X&lt;/c:avsCode&gt;
        &lt;c:avsCodeRaw&gt;I1&lt;/c:avsCodeRaw&gt;
        &lt;c:authorizedDateTime&gt;2015-11-03T20:53:54Z&lt;/c:authorizedDateTime&gt;
        &lt;c:processorResponse&gt;100&lt;/c:processorResponse&gt;
        &lt;c:reconciliationID&gt;11267051CGJSMQDC&lt;/c:reconciliationID&gt;
    &lt;/c:ccAuthReply&gt;
&lt;/c:replyMessage&gt;   
```

Authorizations Using `Cybersource` Decryption for Mastercard {#applepay-auth-cybs-intro-mc}
===========================================================================================

This section provides the information you need in order to process an authorization using `Cybersource` decryption for Mastercard.

Required Fields for Authorizing a Payment Using `Cybersource` Decryption for Mastercard {#applepay-auth-reqfields-cybs-mc}
==========================================================================================================================

billTo_city
:

billTo_country
:

billTo_email
:

billTo_firstName
:

billTo_lastName
:

billTo_postalCode
:

billTo_state
:

billTo_street1
:

ccAuthService_run
:
Set this field to `true`.

encryptedPayment_data
:
Set this field to the Base64-encoded value obtained from the `paymentData` property of the `PKPaymentToken` object.

encryptedPayment_descriptor
:
Set this field to `RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U`.

merchantID
:

merchantReferenceCode
:

paymentSolution
:
Set this field to `001`.

purchaseTotals_currency
:

purchaseTotals_grandTotalAmount
:
Either purchaseTotals_grandTotalAmount or item_#_unitPrice must be included in the request.

Related Information
-------------------

* [API Field Reference for the Simple Order API](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/api-fields-so-intro.md "")
  {#applepay-auth-reqfields-cybs-mc_ul_psd_gx4_1yb}

Simple Order XML Example: `Cybersource` Decryption for Mastercard {#applepay-auth-ex-xml-cybs-mc-so}
====================================================================================================

Request

```
&lt;requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121"&gt;
    &lt;merchantID&gt;demomerchant&lt;/merchantID&gt;
    &lt;merchantReferenceCode&gt;demorefnum&lt;/merchantReferenceCode&gt;
    &lt;billTo&gt;
        &lt;firstName&gt;Jane&lt;/firstName&gt;
        &lt;lastName&gt;Smith&lt;/lastName&gt;
        &lt;street1&gt;123 Main Street&lt;/street1&gt;
        &lt;city&gt;Small Town&lt;/city&gt;
        &lt;state&gt;CA&lt;/state&gt;
        &lt;postalCode&gt;98765&lt;/postalCode&gt;
        &lt;country&gt;US&lt;/country&gt;
        &lt;email&gt;jsmith@example.com&lt;/email&gt;
    &lt;/billTo&gt;
    &lt;purchaseTotals&gt;
        &lt;currency&gt;USD&lt;/currency&gt;
        &lt;grandTotalAmount&gt;5.00&lt;/grandTotalAmount&gt;
    &lt;/purchaseTotals&gt;
    &lt;encryptedPayment&gt;
        &lt;descriptor&gt;RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U&lt;/descriptor&gt;
        &lt;data&gt;ABCDEFabcdefABCDEFabcdef0987654321234567&lt;/data&gt;
        &lt;encoding&gt;Base64&lt;/encoding&gt;
    &lt;/encryptedPayment&gt;
    &lt;card&gt;
        &lt;cardType&gt;002&lt;/cardType&gt;
    &lt;/card&gt;
    &lt;ccAuthService run="true"/&gt;
    &lt;paymentSolution&gt;001&lt;/paymentSolution&gt;
&lt;/requestMessage&gt;
```

Response to a Successful Request

```
&lt;c:replyMessage&gt;
    &lt;c:merchantReferenceCode&gt;demorefnum&lt;/c:merchantReferenceCode&gt;
    &lt;c:requestID&gt;4465840340765000001541&lt;/c:requestID&gt;
    &lt;c:decision&gt;ACCEPT&lt;/c:decision&gt;
    &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
    &lt;c:requestToken&gt;Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u&lt;/c:requestToken&gt;
    &lt;c:token&gt;
        &lt;c:expirationMonth&gt;07&lt;/c:expirationMonth&gt;
        &lt;c:expirationYear&gt;2025&lt;/c:expirationYear&gt;
        &lt;c:prefix&gt;239845&lt;/c:prefix&gt;
        &lt;c:suffix&gt;2947&lt;/c:suffix&gt;
    &lt;/c:token&gt;
    &lt;c:purchaseTotals&gt;
        &lt;c:currency&gt;USD&lt;/c:currency&gt;
    &lt;/c:purchaseTotals&gt;
    &lt;c:ccAuthReply&gt;
        &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
        &lt;c:amount&gt;5.00&lt;/c:amount&gt;
        &lt;c:authorizationCode&gt;888888&lt;/c:authorizationCode&gt;
        &lt;c:avsCode&gt;X&lt;/c:avsCode&gt;
        &lt;c:avsCodeRaw&gt;I1&lt;/c:avsCodeRaw&gt;
        &lt;c:authorizedDateTime&gt;2015-11-03T20:53:54Z&lt;/c:authorizedDateTime&gt;
        &lt;c:processorResponse&gt;100&lt;/c:processorResponse&gt;
        &lt;c:reconciliationID&gt;11267051CGJSMQDC&lt;/c:reconciliationID&gt;
    &lt;/c:ccAuthReply&gt;
&lt;/c:replyMessage&gt; 
```

Authorizations Using `Cybersource` Decryption for Visa {#applepay-auth-cybs-intro-visa}
=======================================================================================

This section provides the information you need in order to process an authorization using `Cybersource` decryption for Visa.

Required Fields for Authorizing a Payment Using `Cybersource` Decryption for Visa {#applepay-auth-reqfields-cybs-visa}
======================================================================================================================

billTo_city
:

billTo_country
:

billTo_email
:

billTo_firstName
:

billTo_lastName
:

billTo_postalCode
:

billTo_state
:

billTo_street1
:

ccAuthService_run
:
Set this field to `true`.

encryptedPayment_data
:
Set this field to the Base64-encoded value obtained from the `paymentData` property of the `PKPaymentToken` object.

encryptedPayment_descriptor
:
Set this field to `RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U`.

merchantID
:

merchantReferenceCode
:

paymentSolution
:
Set this field to `001`.

purchaseTotals_currency
:

purchaseTotals_grandTotalAmount
:
Either purchaseTotals_grandTotalAmount or item_#_unitPrice must be included in the request.

Related Information
-------------------

* [API Field Reference for the Simple Order API](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/api-fields-so-intro.md "")
  {#applepay-auth-reqfields-cybs-visa_ul_u4z_gx4_1yb}

Simple Order XML Example: `Cybersource` Decryption for Visa {#applepay-auth-ex-xml-cybs-visa-so}
================================================================================================

Request

```
&lt;requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121"&gt;
    &lt;merchantID&gt;demomerchant&lt;/merchantID&gt;
    &lt;merchantReferenceCode&gt;demorefnum&lt;/merchantReferenceCode&gt;
    &lt;billTo&gt;
        &lt;firstName&gt;Jane&lt;/firstName&gt;
        &lt;lastName&gt;Smith&lt;/lastName&gt;
        &lt;street1&gt;123 Main Street&lt;/street1&gt;
        &lt;city&gt;Small Town&lt;/city&gt;
        &lt;state&gt;CA&lt;/state&gt;
        &lt;postalCode&gt;98765&lt;/postalCode&gt;
        &lt;country&gt;US&lt;/country&gt;
        &lt;email&gt;jsmith@example.com&lt;/email&gt;
    &lt;/billTo&gt;
    &lt;purchaseTotals&gt;
        &lt;currency&gt;USD&lt;/currency&gt;
        &lt;grandTotalAmount&gt;5.00&lt;/grandTotalAmount&gt;
    &lt;/purchaseTotals&gt;
    &lt;encryptedPayment&gt;
        &lt;descriptor&gt;RklEPUNPTU1PTi5BUFBMRS5JTkFQUC5QQVlNRU5U&lt;/descriptor&gt;
        &lt;data&gt;ABCDEFabcdefABCDEFabcdef0987654321234567&lt;/data&gt;
        &lt;encoding&gt;Base64&lt;/encoding&gt;
    &lt;/encryptedPayment&gt;
    &lt;card&gt;
        &lt;cardType&gt;001&lt;/cardType&gt;
    &lt;/card&gt;
    &lt;ccAuthService run="true"/&gt;
    &lt;paymentSolution&gt;001&lt;/paymentSolution&gt;
&lt;/requestMessage&gt;
```

Response to a Successful Request

```
&lt;c:replyMessage&gt;
    &lt;c:merchantReferenceCode&gt;demorefnum&lt;/c:merchantReferenceCode&gt;
    &lt;c:requestID&gt;4465840340765000001541&lt;/c:requestID&gt;
    &lt;c:decision&gt;ACCEPT&lt;/c:decision&gt;
    &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
    &lt;c:requestToken&gt;Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u&lt;/c:requestToken&gt;
    &lt;c:token&gt;
        &lt;c:expirationMonth&gt;07&lt;/c:expirationMonth&gt;
        &lt;c:expirationYear&gt;2025&lt;/c:expirationYear&gt;
        &lt;c:prefix&gt;239845&lt;/c:prefix&gt;
        &lt;c:suffix&gt;2947&lt;/c:suffix&gt;
    &lt;/c:token&gt;
    &lt;/c:purchaseTotals&gt;
    &lt;c:purchaseTotals&gt;
        &lt;c:currency&gt;USD&lt;/c:currency&gt;
    &lt;/c:purchaseTotals&gt;
    &lt;c:ccAuthReply&gt;
        &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
        &lt;c:amount&gt;5.00&lt;/c:amount&gt;
        &lt;c:authorizationCode&gt;888888&lt;/c:authorizationCode&gt;
        &lt;c:avsCode&gt;X&lt;/c:avsCode&gt;
        &lt;c:avsCodeRaw&gt;I1&lt;/c:avsCodeRaw&gt;
        &lt;c:authorizedDateTime&gt;2015-11-03T20:53:54Z&lt;/c:authorizedDateTime&gt;
        &lt;c:processorResponse&gt;100&lt;/c:processorResponse&gt;
        &lt;c:reconciliationID&gt;11267051CGJSMQDC&lt;/c:reconciliationID&gt;
    &lt;/c:ccAuthReply&gt;
&lt;/c:replyMessage&gt;
```

Authorizations Using Merchant Decryption for American Express {#applepay-auth-merch-intro-amex}
===============================================================================================

This section provides the information you need in order to process an authorization using merchant decryption for American Express.

Required Fields for Authorizing a Payment Using Merchant Decryption for American Express {#applepay-auth-reqfields-merch-amex}
==============================================================================================================================

billTo_city
:

billTo_country
:

billTo_email
:

billTo_firstName
:

billTo_lastName
:

billTo_postalCode
:

billTo_state
:

billTo_street1
:

card_accountNumber
:
Set this field to the payment network token value.

card_expirationMonth
:
Set this field to the value from the payment network token expiration month.

card_expirationYear
:
Set this field to the value from the payment network token expiration year.

ccAuthService_cavv
:
Set this field to the network token cryptogram.

ccAuthService_commerceIndicator
:
Set this field to `internet`.

ccAuthService_networkTokenCryptogram
:
Set this field to the network token cryptogram.
:
> Include the whole 20-byte cryptogram in the ccAuthService_networkTokenCryptogram field. For a 40-byte cryptogram, split the cryptogram into two 20-byte binary values (block A and block B). Set the ccAuthService_networkTokenCryptogram field to the block A value and set the ccAuthService_xid field to the block B value.

ccAuthService_run
:
Set this field to `true`.

merchantID
:

merchantReferenceCode
:

paymentNetworkToken_transactionType
:
Set this field to `1`.

paymentSolution
:
Set this field to `001`.

purchaseTotals_currency
:

purchaseTotals_grandTotalAmount
:
Either purchaseTotals_grandTotalAmount or item_#_unitPrice must be included in the request.

Related Information {#applepay-auth-reqfields-merch-amex_section_xgy_hx4_1yb}
-----------------------------------------------------------------------------

* [API Field Reference for the Simple Order API](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/api-fields-so-intro.md "")
  {#applepay-auth-reqfields-merch-amex_ul_ygy_hx4_1yb}

Simple Order XML Example: Merchant Decryption and American Express {#applepay-auth-ex-xml-merch-amex-so}
========================================================================================================

Request

```
&lt;requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121"&gt;
    &lt;merchantID&gt;demomerchant&lt;/merchantID&gt;
    &lt;merchantReferenceCode&gt;demorefnum&lt;/merchantReferenceCode&gt;
    &lt;billTo&gt;
        &lt;firstName&gt;Jane&lt;/firstName&gt;
        &lt;lastName&gt;Smith&lt;/lastName&gt;
        &lt;street1&gt;123 Main Street&lt;/street1&gt;
        &lt;city&gt;Small Town&lt;/city&gt;
        &lt;state&gt;CA&lt;/state&gt;
        &lt;postalCode&gt;98765&lt;/postalCode&gt;
        &lt;country&gt;US&lt;/country&gt;
        &lt;email&gt;jsmith@example.com&lt;/email&gt;
    &lt;/billTo&gt;
    &lt;purchaseTotals&gt;
        &lt;currency&gt;USD&lt;/currency&gt;
        &lt;grandTotalAmount&gt;5.00&lt;/grandTotalAmount&gt;
    &lt;/purchaseTotals&gt;
    &lt;card&gt;
        &lt;accountNumber&gt;37828224631xxxx&lt;/accountNumber&gt;
        &lt;expirationMonth&gt;12&lt;/expirationMonth&gt;
        &lt;expirationYear&gt;2020&lt;/expirationYear&gt;
        &lt;cvNumber&gt;123&lt;/cvNumber&gt;
        &lt;cardType&gt;003&lt;/cardType&gt;
    &lt;/card&gt;
    &lt;ccAuthService run="true"&gt;
        &lt;cavv&gt;ABCDEFabcdefABCDEFabcdef0987654321234567&lt;/cavv&gt;
        &lt;commerceIndicator&gt;aesk&lt;/commerceIndicator&gt;
    &lt;/ccAuthService&gt;
    &lt;paymentNetworkToken&gt;
        &lt;transactionType&gt;1&lt;/transactionType&gt; 
    &lt;paymentSolution&gt;001&lt;/paymentSolution&gt;
&lt;/requestMessage&gt;    
```

Response to a Successful Request

```
&lt;c:replyMessage&gt;
    &lt;c:merchantReferenceCode&gt;demorefnum&lt;/c:merchantReferenceCode&gt;
    &lt;c:requestID&gt;4465840340765000001541&lt;/c:requestID&gt;
    &lt;c:decision&gt;ACCEPT&lt;/c:decision&gt;
    &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
    &lt;c:requestToken&gt;Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u&lt;/c:requestToken&gt;
    &lt;c:purchaseTotals&gt;
        &lt;c:currency&gt;USD&lt;/c:currency&gt;
    &lt;/c:purchaseTotals&gt;
    &lt;c:ccAuthReply&gt;
        &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
        &lt;c:amount&gt;5.00&lt;/c:amount&gt;
        &lt;c:authorizationCode&gt;888888&lt;/c:authorizationCode&gt;
        &lt;c:avsCode&gt;X&lt;/c:avsCode&gt;
        &lt;c:avsCodeRaw&gt;I1&lt;/c:avsCodeRaw&gt;
        &lt;c:authorizedDateTime&gt;2015-11-03T20:53:54Z&lt;/c:authorizedDateTime&gt;
        &lt;c:processorResponse&gt;100&lt;/c:processorResponse&gt;
        &lt;c:reconciliationID&gt;11267051CGJSMQDC&lt;/c:reconciliationID&gt;
    &lt;/c:ccAuthReply&gt;
&lt;/c:replyMessage&gt;
```

Authorizations Using Merchant Decryption for Discover {#applepay-auth-merch-intro-discover}
===========================================================================================

This section provides the information you need in order to process an authorization using merchant decryption for Discover.

Required Fields for Authorizing a Payment Using Merchant Decryption for Discover {#applepay-auth-reqfields-merch-discover}
==========================================================================================================================

billTo_city
:

billTo_country
:

billTo_email
:

billTo_firstName
:

billTo_lastName
:

billTo_postalCode
:

billTo_state
:

billTo_street1
:

card_accountNumber
:
Set this field to the payment network token value.

card_expirationMonth
:
Set this field to the value from the payment network token expiration month.

card_expirationYear
:
Set this field to the value from the payment network token expiration year.

ccAuthService_cavv
:
Set this field to the network token cryptogram.

ccAuthService_commerceIndicator
:
Set this field to `internet`.

ccAuthService_networkTokenCryptogram
:
Set this field to the network token cryptogram.

ccAuthService_run
:
Set this field to `true`.

merchantID
:

merchantReferenceCode
:

paymentNetworkToken_transactionType
:
Set this field to `1`.

paymentSolution
:
Set this field to `001`.

:

purchaseTotals_currency
:

purchaseTotals_grandTotalAmount
:
Either purchaseTotals_grandTotalAmount or item_#_unitPrice must be included in the request.

Related Information {#applepay-auth-reqfields-merch-discover_section_lfy_jx4_1yb}
---------------------------------------------------------------------------------

* [API Field Reference for the Simple Order API](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/api-fields-so-intro.md "")
  {#applepay-auth-reqfields-merch-discover_ul_mfy_jx4_1yb}

Simple Order XML Example: Merchant Decryption and Discover {#applepay-auth-ex-xml-merch-discover-so}
====================================================================================================

Request

```
&lt;requestMessage xmlns="urn:schemas-cybersource-comtransaction-data-1.121"&gt;
    &lt;merchantID&gt;demomerchant&lt;/merchantID&gt;
    &lt;merchantReferenceCode&gt;demorefnum&lt;/merchantReferenceCode&gt;
    &lt;billTo&gt;
        &lt;firstName&gt;Jane&lt;/firstName&gt;
        &lt;lastName&gt;Smith&lt;/lastName&gt;
        &lt;street1&gt;123 Main Street&lt;/street1&gt;
        &lt;city&gt;Small Town&lt;/city&gt;
        &lt;state&gt;CA&lt;/state&gt;
        &lt;postalCode&gt;98765&lt;/postalCode&gt;
        &lt;country&gt;US&lt;/country&gt;
    &lt;email&gt;jsmith@example.com&lt;/email&gt;
    &lt;/billTo&gt;
    &lt;purchaseTotals&gt;
        &lt;currency&gt;USD&lt;/currency&gt;
        &lt;grandTotalAmount&gt;5.00&lt;/grandTotalAmount&gt;
    &lt;/purchaseTotals&gt;
    &lt;card&gt;
        &lt;accountNumber&gt;601111111111xxxx&lt;/accountNumber&gt;
        &lt;expirationMonth&gt;12&lt;/expirationMonth&gt;
        &lt;expirationYear&gt;2020&lt;/expirationYear&gt;
        &lt;cvNumber&gt;123&lt;/cvNumber&gt;
        &lt;cardType&gt;004&lt;/cardType&gt;
    &lt;/card&gt;
    &lt;ccAuthService run="true"&gt;
        &lt;cavv&gt;ABCDEFabcdefABCDEFabcdef0987654321234567&lt;/cavv&gt;
        &lt;commerceIndicator&gt;dipb&lt;/commerceIndicator&gt;
    &lt;/ccAuthService&gt;
    &lt;paymentNetworkToken&gt; 
        &lt;transactionType&gt;1&lt;/transactionType&gt; 
    &lt;/paymentNetworkToken&gt;
    &lt;paymentSolution&gt;001&lt;/paymentSolution&gt;
&lt;/requestMessage&gt;   
```

Response to a Successful Request

```
&lt;c:replyMessage&gt;
    &lt;c:merchantReferenceCode&gt;demorefnum&lt;/c:merchantReferenceCode&gt;
    &lt;c:requestID&gt;4465840340765000001541&lt;/c:requestID&gt;
    &lt;c:decision&gt;ACCEPT&lt;/c:decision&gt;
    &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
    &lt;c:requestToken&gt;Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u&lt;/c:requestToken&gt;
    &lt;c:purchaseTotals&gt;
        &lt;c:currency&gt;USD&lt;/c:currency&gt;
    &lt;/c:purchaseTotals&gt;
    &lt;c:ccAuthReply&gt;
        &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
        &lt;c:amount&gt;5.00&lt;/c:amount&gt;
        &lt;c:authorizationCode&gt;888888&lt;/c:authorizationCode&gt;
        &lt;c:avsCode&gt;X&lt;/c:avsCode&gt;
        &lt;c:avsCodeRaw&gt;I1&lt;/c:avsCodeRaw&gt;
        &lt;c:authorizedDateTime&gt;2015-11-03T20:53:54Z&lt;/c:authorizedDateTime&gt;
        &lt;c:processorResponse&gt;100&lt;/c:processorResponse&gt;
        &lt;c:reconciliationID&gt;11267051CGJSMQDC&lt;/c:reconciliationID&gt;
    &lt;/c:ccAuthReply&gt;
&lt;/c:replyMessage&gt;   
```

Authorizations Using Merchant Decryption for Mastercard {#applepay-auth-merch-intro-mc}
=======================================================================================

This section provides the information you need in order to process an authorization using merchant decryption for Mastercard.

Required Fields for Authorizing a Payment Using Merchant Decryption for Mastercard {#applepay-auth-reqfields-merch-mc}
======================================================================================================================

billTo_city
:

billTo_country
:

billTo_email
:

billTo_firstName
:

billTo_lastName
:

billTo_postalCode
:

billTo_state
:

billTo_street1
:

card_accountNumber
:
Set this field to the payment network token value.

card_expirationMonth
:
Set this field to the value from the payment network token expiration month.

card_expirationYear
:
Set this field to the value from the payment network token expiration year.

ccAuthService_commerceIndicator
:
Set this field to `internet`.

ccAuthService_networkTokenCryptogram
:
Set this field to the network token cryptogram.

ccAuthService_run
:
Set this field to `true`.

merchantID
:

merchantReferenceCode
:

paymentNetworkToken_transactionType
:
Set this field to `1`.

paymentSolution
:
Set this field to `001`.

purchaseTotals_currency
:

purchaseTotals_grandTotalAmount
:
Either purchaseTotals_grandTotalAmount or item_#_unitPrice must be included in the request.

ucaf_authenticationData
:
Set this field to the network token cryptogram.

ucaf_collectionIndicator
:
Set this field to `2`.

Related Information {#applepay-auth-reqfields-merch-mc_section_pvh_mx4_1yb}
---------------------------------------------------------------------------

* [API Field Reference for the Simple Order API](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/api-fields-so-intro.md "")
  {#applepay-auth-reqfields-merch-mc_ul_qvh_mx4_1yb}

Simple Order XML Example: Merchant Decryption and Mastercard {#applepay-auth-ex-xml-merch-mc-so}
================================================================================================

Request

```
&lt;requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121"&gt;
    &lt;merchantID&gt;demomerchant&lt;/merchantID&gt;
    &lt;merchantReferenceCode&gt;demorefnum&lt;/merchantReferenceCode&gt;
    &lt;billTo&gt;
        &lt;firstName&gt;Jane&lt;/firstName&gt;
        &lt;lastName&gt;Smith&lt;/lastName&gt;
        &lt;street1&gt;123 Main Street&lt;/street1&gt;
        &lt;city&gt;Small Town&lt;/city&gt;
        &lt;state&gt;CA&lt;/state&gt;
        &lt;postalCode&gt;98765&lt;/postalCode&gt;
        &lt;country&gt;US&lt;/country&gt;
        &lt;email&gt;jsmith@example.com&lt;/email&gt;
    &lt;/billTo&gt;
    &lt;purchaseTotals&gt;
        &lt;currency&gt;USD&lt;/currency&gt;
        &lt;grandTotalAmount&gt;5.00&lt;/grandTotalAmount&gt;
    &lt;/purchaseTotals&gt;
    &lt;card&gt;
        &lt;accountNumber&gt;555555555555xxxx&lt;/accountNumber&gt;
        &lt;expirationMonth&gt;12&lt;/expirationMonth&gt;
        &lt;expirationYear&gt;2020&lt;/expirationYear&gt;
        &lt;cvNumber&gt;123&lt;/cvNumber&gt;
        &lt;cardType&gt;002&lt;/cardType&gt;
    &lt;/card&gt;
    &lt;ucaf&gt;
        &lt;authenticationData&gt;ABCDEFabcdefABCDscdef0987654321234567&lt;/authenticationData&gt;
        &lt;collectionIndicator&gt;2&lt;/collectionIndicator&gt;
    &lt;/ucaf&gt;
    &lt;ccAuthService run="true"&gt;
        &lt;commerceIndicator&gt;spa&lt;/commerceIndicator&gt;
    &lt;/ccAuthService&gt; 
    &lt;paymentNetworkToken&gt;
        &lt;transactionType&gt;1&lt;/transactionType&gt; 
    &lt;/paymentNetworkToken&gt;
    &lt;paymentSolution&gt;001&lt;/paymentSolution&gt;
&lt;/requestMessage&gt;
```

Response to a Successful Request

```
&lt;c:replyMessage&gt;
    &lt;c:merchantReferenceCode&gt;demorefnum&lt;/c:merchantReferenceCode&gt;
    &lt;c:requestID&gt;4465840340765000001541&lt;/c:requestID&gt;
    &lt;c:decision&gt;ACCEPT&lt;/c:decision&gt;
    &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
    &lt;c:requestToken&gt;Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u&lt;/c:requestToken&gt;
    &lt;c:purchaseTotals&gt;
        &lt;c:currency&gt;USD&lt;/c:currency&gt;
    &lt;/c:purchaseTotals&gt;
    &lt;c:ccAuthReply&gt;
        &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
        &lt;c:amount&gt;5.00&lt;/c:amount&gt;
        &lt;c:authorizationCode&gt;888888&lt;/c:authorizationCode&gt;
        &lt;c:avsCode&gt;X&lt;/c:avsCode&gt;
        &lt;c:avsCodeRaw&gt;I1&lt;/c:avsCodeRaw&gt;
        &lt;c:authorizedDateTime&gt;2015-11-03T20:53:54Z&lt;/c:authorizedDateTime&gt;
        &lt;c:processorResponse&gt;100&lt;/c:processorResponse&gt;
        &lt;c:reconciliationID&gt;11267051CGJSMQDC&lt;/c:reconciliationID&gt;
    &lt;/c:ccAuthReply&gt;
&lt;/c:replyMessage&gt;    
```

Authorizations Using Merchant Decryption for Visa {#applepay-auth-merch-intro-visa}
===================================================================================

This section provides the information you need in order to process an authorization using merchant decryption for Visa.

Required Fields for Authorizing a Payment Using Merchant Decryption for Visa {#applepay-auth-reqfields-merch-visa}
==================================================================================================================

billTo_city
:

billTo_country
:

billTo_email
:

billTo_firstName
:

billTo_lastName
:

billTo_postalCode
:

billTo_state
:

billTo_street1
:

card_accountNumber
:
Set this field to the payment network token value.

card_expirationMonth
:
Set this field to the value from the payment network token expiration month.

card_expirationYear
:
Set this field to the value from the payment network token expiration year.

ccAuthService_cavv
:
Set this field to the network token cryptogram.

ccAuthService_commerceIndicator
:
Set this field to the ECI value contained in the Apple Pay response payload.

ccAuthService_networkTokenCryptogram
:
Set this field to the network token cryptogram.

ccAuthService_run
:
Set this field to `true`.

merchantID
:

merchantReferenceCode
:

paymentNetworkToken_transactionType
:
Set this field to `1`.

paymentSolution
:
Set this field to `001`.

purchaseTotals_currency
:

purchaseTotals_grandTotalAmount
:
Either purchaseTotals_grandTotalAmount or item_#_unitPrice must be included in the request.

:

Related Information {#applepay-auth-reqfields-merch-visa_section_fxl_nx4_1yb}
-----------------------------------------------------------------------------

* [API Field Reference for the Simple Order API](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/api-fields-so-intro.md "")
  {#applepay-auth-reqfields-merch-visa_ul_gxl_nx4_1yb}

Simple Order XML Example: Merchant Decryption and Visa {#applepay-auth-ex-xml-merch-visa-so}
============================================================================================

Request

```
&lt;requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.121"&gt;
    &lt;merchantID&gt;demomerchant&lt;/merchantID&gt;
    &lt;merchantReferenceCode&gt;demorefnum&lt;/merchantReferenceCode&gt;
    &lt;billTo&gt;
        &lt;firstName&gt;Jane&lt;/firstName&gt;
        &lt;lastName&gt;Smith&lt;/lastName&gt;
        &lt;street1&gt;123 Main Street&lt;/street1&gt;
        &lt;city&gt;Small Town&lt;/city&gt;
        &lt;state&gt;CA&lt;/state&gt;
        &lt;postalCode&gt;98765&lt;/postalCode&gt;
        &lt;country&gt;US&lt;/country&gt;
        &lt;email&gt;jsmith@example.com&lt;/email&gt;
    &lt;/billTo&gt;
    &lt;purchaseTotals&gt;
        &lt;currency&gt;USD&lt;/currency&gt;
        &lt;grandTotalAmount&gt;5.00&lt;/grandTotalAmount&gt;
    &lt;/purchaseTotals&gt;
    &lt;card&gt;
        &lt;accountNumber&gt;4111111111111111&lt;/accountNumber&gt;
        &lt;expirationMonth&gt;12&lt;/expirationMonth&gt;
        &lt;expirationYear&gt;2020&lt;/expirationYear&gt;
        &lt;cvNumber&gt;123&lt;/cvNumber&gt;
        &lt;cardType&gt;001&lt;/cardType&gt;
    &lt;/card&gt;
    &lt;ccAuthService run="true"&gt;
        &lt;cavv&gt;ABCDEFabcdefABCDEFabcdef0987654321234567&lt;/cavv&gt;
        &lt;commerceIndicator&gt;internet&lt;/commerceIndicator&gt;
    &lt;/ccAuthService&gt;
    &lt;paymentNetworkToken&gt;
        &lt;transactionType&gt;1&lt;/transactionType&gt; 
    &lt;/paymentNetworkToken&gt;
    &lt;paymentSolution&gt;001&lt;/paymentSolution&gt;
&lt;/requestMessage&gt;
```

Response to a Successful Request

```
&lt;c:replyMessage&gt;
    &lt;c:merchantReferenceCode&gt;demorefnum&lt;/c:merchantReferenceCode&gt;
    &lt;c:requestID&gt;4465840340765000001541&lt;/c:requestID&gt;
    &lt;c:decision&gt;ACCEPT&lt;/c:decision&gt;
    &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
    &lt;c:requestToken&gt;Ahj/7wSR5C/4Icd2fdAKakGLadfg5535r/ghx3Z90AoBj3u&lt;/c:requestToken&gt;
    &lt;c:purchaseTotals&gt;
        &lt;c:currency&gt;USD&lt;/c:currency&gt;
    &lt;/c:purchaseTotals&gt;
    &lt;c:ccAuthReply&gt;
        &lt;c:reasonCode&gt;100&lt;/c:reasonCode&gt;
        &lt;c:amount&gt;5.00&lt;/c:amount&gt;
        &lt;c:authorizationCode&gt;888888&lt;/c:authorizationCode&gt;
        &lt;c:avsCode&gt;X&lt;/c:avsCode&gt;
        &lt;c:avsCodeRaw&gt;I1&lt;/c:avsCodeRaw&gt;
        &lt;c:authorizedDateTime&gt;2015-11-03T20:53:54Z&lt;/c:authorizedDateTime&gt;
        &lt;c:processorResponse&gt;100&lt;/c:processorResponse&gt;
        &lt;c:reconciliationID&gt;11267051CGJSMQDC&lt;/c:reconciliationID&gt;
    &lt;/c:ccAuthReply&gt;
&lt;/c:replyMessage&gt;    
```

Authorization Reversals {#payments-processing-basic-auth-reversal-intro}
========================================================================

This section provides the information you need in order to process an authorization reversal.  
Reversing an authorization releases the hold on the customer's payment card funds that the issuing bank placed when processing the authorization.

Endpoint {#payments-processing-basic-auth-reversal-intro_d11e64}
----------------------------------------------------------------

Set the ccAuthReversalService_run field to `true`.  
Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`.

Required Fields for Processing an Authorization Reversal {#payments-processing-basic-auth-reversal-required-fields}
===================================================================================================================

ccAuthReversalService_authRequestID
:
Set this field to the request ID that was included in the authorization response message.

ccAuthReversalService_run
:
Set the value to `true`.

merchantReferenceCode
:

merchantTransactionIdentifier
:

purchaseTotals_currency
:

purchaseTotals_grandTotalAmount
:
The amount of the reversal must be the same as the authorization amount that was included in the authorization response message. Do not use the amount that was requested in the authorization request message.

Simple Order Example: Processing an Authorization Reversal {#payments-processing-basic-auth-reversal-ex-so-nvp}
===============================================================================================================

Request

```
ccAuthReversalService_authRequestID=6522033834410167772169
ccAuthReversalService_run=true
merchantReferenceCode=482046C3A7E94F5BD1FE3C66C
merchantTransactionIdentifier=Napa Valley Vacations
purchaseTotals_currency=USD
purchaseTotals_grandTotalAmount=49.95
```

Response to a Successful Request

```
requestID=1019827520348290570293
merchantReferenceCode=482046C3A7E94F5BD1FE3C66C
decision=ACCEPT
reasonCode=100
ccAuthReversalReply_amount=49.95
purchaseTotals_currency=USD
ccAuthReversalReply_reasonCode=100
ccAuthReversalReply_reconciliationID=1094820975023470
```

Captures {#payments-processing-basic-capture-intro}
===================================================

This section provides the information you need in order to capture an authorized transaction.

Endpoint {#payments-processing-basic-capture-intro_d11e88}
----------------------------------------------------------

Set the ccCaptureService_run field to `true`.  
Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`.

Required Fields for Capturing an Authorization {#payments-processing-basic-capture-required-fields}
===================================================================================================

Use these required fields for capturing an authorization.

ccCaptureService_authRequestID
:

ccCaptureService_run
:

merchantID
:

merchantReferenceCode
:
Set the value to `merchant_ref_number` value used in corresponding authorization request.

purchaseTotals_currency
:

purchaseTotals_grandTotalAmount
:

Simple Order Example: Capturing an Authorization {#payments-processing-basic-capture-ex-so-nvp}
===============================================================================================

Request

```
ccCaptureService_authRequestID=6629978499572480812782
ccCaptureService_run=true
merchantID=npr_paymentech
merchantReferenceCode=TC42703-1
purchaseTotals_grandTotalAmount=100.00
```

Response to a Successful Request

```
ccCaptureReply_amount=100.00
ccCaptureReply_requestDateTime=2022-09-12T173947Z
decision=ACCEPT
merchantReferenceCode=TC42703-1
purchaseTotals_currency=USD
requestID=6630043878211258349460
```

Sales {#payments-processing-basic-sale-intro}
=============================================

This section provides the information you need in order to process a sale transactions.  
A sale combines an authorization and a capture into a single transaction.

Endpoint {#payments-processing-basic-sale-intro_d11e161}
--------------------------------------------------------

Set the ccAuthService_run field to `true`, and the ccCaptureService_run field to `true`.  
Send the request to `https://ics2ws.ic3.com/commerce/1.x/transactionProcessor`.

Required Fields for Processing a Sale {#payments-processing-basic-sale-reqfields}
=================================================================================

Use these required fields for processing a sale.

billTo_city
:

billTo_country
:

billTo_email
:

billTo_firstName
:

billTo_lastName
:

billTo_postalCode
:

billTo_state
:

billTo_street1
:

card_accountNumber
:

card_cardType
:

card_expirationMonth
:

card_expirationYear
:

ccAuthService_commerceIndicator
:

ccAuthService_run
:
Set the value to `true`.

ccCaptureService_run
:
Set the value to `true`.

merchantID
:

purchaseTotals_currency
:

purchaseTotals_grandTotalAmount
:

Related Information {#payments-processing-basic-sale-reqfields_section_sjf_tbv_sxb}
-----------------------------------------------------------------------------------

* [API field reference guide for the Simple Order API](https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/so/api-fields/api-fields-so-intro.md "")
  {#payments-processing-basic-sale-reqfields_ul_x5z_1bv_sxb}

Simple Order Example: Processing a Sale {#payments-processing-basic-sale-ex-so-nvp}
===================================================================================

Request

```
ccAuthService_run=true
ccCaptureService_run=true
merchantID=Napa Valley Vacations
merchantReferenceCode=482046C3A7E94F5
billTo_firstName=John
billTo_lastName=Doe
billTo_street1=1295 Charleston Rd.
billTo_city=Mountain View
billTo_state=CA
billTo_postalCode=94043
billTo_country=US
billTo_phoneNumber=650-965-6000
billTo_email=jdoe@example.com
item_0_unitPrice=49.95
item_0_quantity=1
purchaseTotals_currency=USD
card_expirationMonth=12
card_expirationYear=2031
card_accountNumber=4111111111111111
card_cardType=001
```

Response to a Successful Request  
Most processors do not return all of the fields shown in this example.

```
requestID=0305782650000167905080
decision=ACCEPT
reasonCode=100
merchantReferenceCode=482046C3A7E94F5
purchaseTotals_currency=USD
ccAuthReply_reconciliationID=ABCDE12345FGHIJ67890
ccAuthReply_cardCategory=F^
ccAuthReply_cardGroup=0
ccAuthReply_reasonCode=100
ccAuthReply_amount=49.95
ccAuthReply_accountBalance=50.05
ccAuthReply_authorizationCode=123456
ccAuthReply_avsCode=Y
ccAuthReply_avsCodeRaw=YYY
ccAuthReply_processorResponse=A
ccAuthReply_paymentNetworkTransactionID=3312345
ccCaptureReply_amount=49.95
ccCaptureReply_reasonCode=100
ccCaptureReply_reconciliationID=1094820975023470
```

Searching for Apple Pay Transactions {#applepay_txn_reports}
============================================================

Use the Transaction Search page in the `Business Center` to identify Apple Pay transactions. You can search for transactions by date, application type, customer name, and other transaction identifiers.  
For information about the Transaction Request Report, see the `Business Center` [Reporting Developer Guide](https://developer.cybersource.com/docs/cybs/en-us/reporting/developer/all/rest/reporting/reporting_api.md "").
