Overview

Apple Pay is a digital wallet developed by Apple that allows customers to make secure payments using their Apple devices, including iPhone, iPad, Mac, and Apple Watch.

At checkout, customers can pay without entering card details manually. Instead, they confirm the payment using Face ID, Touch ID, or their device passcode. This results in a faster and more seamless checkout experience, especially on mobile devices.

Apple Pay uses tokenization to protect sensitive payment data. The customer's actual card number is never shared with the merchant. Instead, a secure, encrypted token is generated for each transaction.

Compatibility

Apple Pay availability depends on the customer's issuing bank, device, browser, and in specific countries and regions.

For detailed and up-to-date information, refer to:

• Apple Pay participating banks
• Supported devices and browsers
• Supported countries and regions

Additionally, Apple Pay is available to shoppers as a payment method option if they already added a card to their Apple Pay wallet.

How Apple Pay Works

1. Customer selects Apple Pay The customer taps or clicks the Apple Pay button at checkout.

2. Apple Pay sheet is presented A native Apple Pay sheet appears, displaying:

   • Available cards stored in the wallet
   • The total transaction amount

3. Customer reviews and updates details (optional) The customer can:

   • Choose a different card
   • Update shipping or contact information

4. Customer authenticates the payment The customer confirms the payment using:

   • Face ID
   • Touch ID
   • Device passcode
   • Or double-click on Apple Watch

5. Payment data is securely generated After successful authentication, Apple Pay creates an encrypted, one-time payment token.

6. Payment is processed The token is sent to EveryPay, which processes the transaction with the card network and issuing bank.

7. Customer receives the result The customer sees immediate confirmation:

   • Payment successful, or
   • Payment failed (with option to retry or choose another method)

Apple Pay with EveryPay

EveryPay enables you to accept Apple Pay payments in your checkout, handling the secure processing of Apple Pay payment tokens with card networks and issuing banks.

Apple Pay is not enabled by default.

To start accepting Apple Pay, you must contact EveryPay to enable it for your merchant account:

• Available in both Sandbox and Production
• Requires configuration on EveryPay's side

Contact EveryPay support team to request activation.

Integration Methods

Once Apple Pay is enabled, you can integrate it using one of the following methods:

• Payform (Embedded) Apple Pay is automatically displayed within the EveryPay hosted payment page when supported by the customer's device and browser.

• Direct Integration Integrate Apple Pay directly into your website for full control over the checkout experience.

• Native iOS Integration Integrate Apple Pay directly in your iOS application using Apple's native frameworks, while using EveryPay for payment processing.

Availability in Checkout

Apple Pay is shown to customers only if:

• Apple Pay is enabled for your merchant account
• The customer uses a supported device and browser
• The customer has an eligible card in their Apple Pay wallet

If these conditions are not met, Apple Pay will not be displayed as a payment option.

Choosing an Integration Method

Method	Best For	Implementation Effort	Control over UI
Payform (Embedded)	Most merchants, fast and simple integration	Low	Limited
Direct (Web)	Custom checkout experiences and advanced use cases	Medium–High	Full
Native iOS	Native mobile applications	Medium	Full