Apple Pay allows customers to make secure purchases using a credit or debit card associated with a supported Apple mobile device. Businesses can accept Apple Pay on newer versions of iOS and Safari, making it quick and easy for customers to buy on both mobile and the web.
Behind the scenes, Apple uses a tokenization service and encrypts the customer's card number, assigning it a device-specific identifier called a DPAN. Braintree and the processing banks then use this DPAN in place of the real card number to securely handle transactions.
Where your business is located dictates your ability to accept Apple Pay. Most merchants based in the following regions – contingent on their processing settings – can accept Apple Pay transactions from eligible customers with the indicated card types:
- APAC - Visa, Mastercard, American Express*
- Australia - Visa, Mastercard, American Express*
- Canada - Visa, Mastercard, American Express*
- Europe - Visa, Mastercard, American Express*
- New Zealand - Visa, Mastercard, American Express*
- United States - Visa, Mastercard, American Express, Discover
*To be eligible to accept Apple Pay with American Express in this region, you must be processing with your own Amex account.
If you are unsure of your setup, contact us for assistance.
To pay with Apple Pay, customers must have devices with the following specifications.
For in-app purchases:
- iOS 8+
- Touch ID or Face ID
For mobile web purchases:
- iOS 10+
- Touch ID or Face ID
For desktop web purchases:
- An iPhone, iPad, Apple Watch, or Mac that can authorize the payment
- macOS Sierra 10.12+
At this time, our eligible merchants can accept Apple Pay from customers in all countries and regions supported by Apple Pay. For a complete list of locations where customers can pay with Apple Pay, see Apple's documentation.
Apple Pay transactions process and settle just like credit card transactions, but can be identified in the Control Panel by their unique payment type logo.
There are no additional fees for processing Apple Pay transactions – pricing for Apple Pay is the same as your other credit card transactions.
Chargebacks, retrievals, and pre-arbitrations on Apple Pay transactions behave in the same way as your credit card disputes, and should be responded to according to your merchant account setup. If you’re unsure how to handle a dispute, contact our Disputes team.
Apple uses a tokenization system to encrypt card information and reduce the risk of fraud. As a result, our Basic Fraud Tools are not compatible with Apple Pay.
We do still recommend collecting and passing billing address information, at miniumum billing postal code, and passing that billing postal code with all Apple Pay transactions as a best practice.
Apple Pay transactions are compatible with our Premium Fraud Management Tools.
Apple Pay cards can be vaulted and used for recurring billing and split shipment transactions.
Vaulting Apple Pay cards should only be used when the customer consents to future merchant-initiated transactions during checkout. It should not be used for future transactions where the customer is present and available to authorize payments during the time of transaction; doing so will result in declines and is not recommended.
Apple launched Apple Pay Later1, allowing customers to split purchases into four payments, spread over six weeks with no interest and no fees2. The Mastercard Installments program enables Apple Pay Later and is automatically available for all eligible merchants who take Apple Pay. There is no additional integration necessary for merchants. With Apple Pay Later, merchants are paid the full purchase amount, just like with Apple Pay. Apple Pay Later leverages the privacy and security features already built into iPhone and iPad. Purchases must be authorized with Face ID, Touch ID, or Passcode. Additionally, transactions and loan histories are never shared or sold to third parties for advertising.
Apple does not charge any additional fees. However, in addition to interchange, Apple Pay Later transactions charge an additional program fee for transactions assessed by Mastercard. Merchants can contact CSMs to opt out of the Apple Pay Later program.
Apple Pay Later is currently available only to a limited number of customers invited to access a prerelease version and is available only in the US.
Subject to eligibility and approval. Available only in the U.S. May not be available in all states. Not available in U.S. territories. Loans made by Apple Financing LLC, NMLS #2154940. CA Residents: Loans made or arranged pursuant to a California Financing Law license. To use Apple Pay Later, you must have an iPhone or iPad updated to the latest version of iOS or iPadOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install. For more eligibility details, see https://support.apple.com/en-us/HT212967 .
A customer's bank may charge them fees if their debit card account contains insufficient funds to make loan repayments.
If you integrate with Apple Pay using our iOS client SDK, you will be required to configure an Apple Pay certificate before completing your integration. This certificate expires after 25 months and must be kept up-to-date to avoid any disruptions in your processing. For full instructions on how to generate a new certificate and upload it to the Control Panel, see our developer docs.