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Flow of Apple Pay Web Transactions Using Merchant Decryption

  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.
  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. See Authorization Service.
  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.