apple pay - adyenf646c1b5-d431... · apple pay also works on the iphone 6, iphone 6s, iphone 6s...
Post on 25-Jun-2020
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Fast facts
Markets In-app and POS
United States United Kingdom
US and UK issued card holders anywhere in the world.
Markets
In-app only
Australia CanadaAustralian and Canadian cards issued anywhere in the world.
Currencies 187 currencies
Status New mobile-centric payment method
Relevance level Demonstrate innovation
Supported devices iPhone 6, iPhone 6 Plus, iPhone 6S, iPhone 6S Plus, Apple Watch-compat-ible devices, iPad Air 2, and iPad Mini
Channels Smartphone, Tablet, POS
Who It’s Relevant For
Due to its cool factor and frictionless experience, Apple Pay is a
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that Apple Pay only works for physical goods and services. In-app
purchases for digital goods or within iTunes are conducted via
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reconciliation, reporting and settlement services.
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Recurring payments Yes
Refunds Yes
Partial refunds Yes
Chargebacks Not for any fraud related reason codes
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(although cards are being regularly added). As of November 2015,
the following cards are supported in each market:
• US: Visa, MasterCard, American Express, Discover
• UK: Visa, MasterCard, American Express
• Australia: American Express
• Canada: American Express
Adyen supports all the cards above.
Apple PayPayment method guideApple Pay is a mobile payment and digital wallet service by Apple Inc.
that lets users make payments in-app or in-store with select Apple
devices.
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• Seamless cross channel solution in-app & in-store
• Delivering a frictionless customer experience with Touch ID
• 99% authorization rate
• Liability shift on fraudulent transactions
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Setup
Apple Pay acts as a digital wallet, and stores consumers’ payment
cards securely on the device.
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input their card details or take a photo of the front of the card. If
they choose the latter, all of the information is encrypted and sent
to Apple’s servers, where Apple decrypts and determines the card
scheme or card issuer. Apple then re-encrypts the data with a key
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Next, the card scheme, as part of the Apple Pay solution, sends
the encrypted card data, along with other user information, such
as iTunes account activity and device information (e.g. name of
device, location, device history with iTunes) to the issuing bank.
The bank then determines whether the card can be virtualized for
Apple Pay. Please note that only issuers that are integrated with
How it works
Apple Pay will receive these requests. If the issuer approves, the
data of the virtualized card is securely sent to the Secure Element
in the Apple device and the device is ready for use.
Transactions on tablet/smartphone
Apple Pay is an inherently mobile experience, and works on the
iPhone 6, iPhone 6 Plus, iPhone 6S Plus, iPad Air 2, and the iPad
Mini 3. Apple Pay is enabled since the iOS8.1 release, delivered
October 20th, 2014.
To pay within apps, consumers simply select Apple Pay, and place
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Once consumers submit the payment, Adyen processes the
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and functionality are regularly added through iOS updates.
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steps may differ according to the shopper's choices and the
merchant setup.
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2. Shopper pays with ‘Touch ID’ – where the iPhone (or
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1. After selecting the item they wish to purchase, the
shopper selects Apple Pay (this is an option for
express checkout).
3. The shopper reaches the thank you page.
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POS Transactions
Apple Pay also works on the iPhone 6, iPhone 6S, iPhone 6S Plus
and on the Apple Watch to facilitate in-store payments via NFC
(Near Field Communication). Apple Pay works at any merchant that
is NFC enabled at the Point-of-Sale.
To pay in stores, consumers simply tap their iPhone against
the contactless reader at checkout, and then authenticate the
transaction with Touch ID.
This authentication signals to the phone that it can transmit the
Device Account Number (a token issued by the card network) and
its accompanying “transaction specific dynamic security code”
to the merchant's terminal. The transaction then proceeds as a
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bank network or issuer verifies that the consumer’s payment
information is coming from the correct device and has not been
duplicated.
Security
Apple designed Apple Pay to use tokenization. Apple has worked
directly with credit card networks like Visa and American Express
to move tokenization to their end of the chain.
The Apple Pay setup is the only time actual credit card information
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to the card network, it is decrypted and the card network issues a
token called a Device Account Number (DAN). The DAN is device-
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network sends this DAN to Apple along with other information,
such as the key used to generate dynamic security codes unique
to each transaction. Apple securely stores this information on
the phone in a “secure element”, which is a separate chip within
the iPhone running separated from the phone operating system.
The secure chip is also the only element within the device that can
produce dynamic security codes.
During merchant transactions, Apple Pay does not send the
merchant the standard card number, CVV or expiration date from
the customer. Instead, it only sends the merchant the DAN. This
DAN is translated into a credit card number only when it reaches
the payment network, meaning that only the issuing bank and the
card scheme have information about the card.
Available Integration Methods
At this moment Apple Pay only works with native iOS apps.
Merchants wishing to integrate Apple Pay will do that through
Adyen’s iOS library or Direct API.
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merchants to add Apple Pay support no matter the selected iOS
app integration with the Apple Pay services. Possible integration
methods include:
• Adyen’s iOS Framework: Encrypted Apple Pay data is retrieved
using Adyen software that can be added to the merchant’s
native application
• Decrypted Apple Pay Data: The merchant retrieves the Apple
Pay Data and decrypts it before sending it to Adyen
for processing
• Encrypted Apple Pay Data: The merchants retrieves the
Apple Pay Data and does not decrypt it before sending it
for Adyen for processing
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that should be addressed on a case-by-case basis.
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