Apple Pay

Information on the Apple Pay payment method.

• Introduction
• User Experience
  • Screenshots
  • Videos
• Details
• How to enable Apple Pay
• Merchant Categories
• Supported card networks
• Payment method icon
• Get Support

Introduction

Apple Pay provides a secure and seamless payment method that you can offer in-app, in store, and on the web (in Safari). Apple Pay uses network tokenization, stores payment information securely in the shopper’s device and confirms the payment through Touch ID or Face ID authentication. Apple Pay is PSD2 SCA-compliant.

• Popularity: People appreciate using Apple Pay to make purchases quickly and easily. You can enhance the purchase experience by taking advantage of a streamlined checkout process that lets people promptly authorize payment and complete their transaction
• Express checkout: Customers can complete their purchase with a single tap, without the need to fill out a form
• Inline setup: Users who have not yet provided a card can do so and pay immediately without leaving your app or website. Detect if customers are using an Apple Pay-capable device and offer to set up Apple Pay within the checkout process
• Security: Apple Pay provides a secure way for payments. Every transaction on your customer’s iPhone or iPad requires Face ID, Touch ID, or a passcode. And each time your customer takes their Apple Watch off their wrist, the passcode must be entered to access it. In addition, you don’t receive your customer’s actual credit or debit card numbers, so you aren’t handling sensitive data in your systems when customers pay with Apple Pay

User Experience

Screenshots

At the checkout, the customer selects the Apple Pay button at the top of the screen:

Within the Apple Pay pop-up, the customer chooses their payment card and proceeds to payment:

The customer then confirms their identity via passcode or biometric information (Face ID or Touch ID) before completing the payment:

Once the customer has paid with Apple Pay, the following steps take place:

• Apple Pay APIs will call back VivaWallet with a payment object containing the payment data (encrypted)
  
• Viva Wallet creates an authorization via the payment networks

Videos

Please also see our videos below, outlining the desktop and mobile use of Apple Pay:

Desktop:

Mobile:

Details

• Payment method type: Synchronous - payments are confirmed immediately
• Refunds: Supports partial and full refunds
• Recurring payments: Supports recurring payments
• Pre-authorizations: Supports pre-authorizations
• Restricted MCC: Some Merchant Categories are not eligible to have Apple Pay enabled
• Supported Countries: Apple Pay supported countries
• Supported Issuers: Apple Pay supported issuers
• Supported Devices/browsers: Apple Pay supported devices/browsers
• Pricing: Please refer to our pricing page under the main navigation for more information
• Settlement: All settlement takes place next day for successful transactions (i.e. have statusId = F)
• Cross-currency payments: Not yet supported

How to enable Apple Pay

All merchants are enabled by default to accept payments for Apple Pay (with the exception of some Merchant Categories).

Merchant Categories

There are some merchant categories that are not eligible to have Apple Pay enabled. If your business is in one of these categories, you will not be able to accept payments through Apple Pay:

Supported card networks

Card type	Card type icon	Merchant Countries
Visa		All
Mastercard		All
American Express		All
Maestro		All
JCB		All
Discover		All
Diners Club International		All

Payment method icon

If desired, you can download and use this icon on your site or online store, in order to show customers you offer Apple Pay as a payment method:

Get Support

If you would like to integrate with Viva Wallet, or if you have any queries about our products and solutions, please see our Get Support page to see how we can help!