Apple Pay

Overview

Apple Pay is Apple's digital wallet that allows customers to make online and in-store payments using payment cards stored in Apple Wallet. Instead of sharing actual card details during a transaction, Apple Pay uses tokenized payment credentials and device-based authentication to help protect customer information.

How Customers Pay with Apple Pay

Customers can complete payments without manually entering their card details by selecting a card stored in Apple Wallet and authenticating the transaction using Face ID, Touch ID, or their device passcode.

How Maya Processes Apple Pay Payments

Apple Pay is supported on select Maya payment products.

For Maya's online payment products that accept Apple Pay, Maya handles payment acceptance, processing, and settlement as the Payment Service Provider (PSP).

For Maya Terminals, transactions are processed as standard card payments through Maya and are settled to the merchant's existing settlement account.

The integration model and merchant responsibilities depend on the product being used.

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Requirements

To accept Apple Pay payments, you must:

• Have an active Maya merchant with card (scheme) acceptance enabled.
• Comply with Apple's Acceptable Use Guidelines for Websites

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Payment Flow

Online Payments

1. The customer selects Apple Pay during checkout.
2. Apple Pay displays the payment sheet showing eligible cards stored in the customer's Apple Wallet.
3. The customer authorizes the transaction using Face ID, Touch ID, or the device passcode.
4. Apple Pay securely provides a tokenized payment credential.
5. Maya processes the transaction through the applicable card network and issuing bank.
6. Maya returns the payment result to the checkout experience.
7. Approved transactions are settled according to the merchant's settlement schedule.

In-store Payments

1. The customer holds their supported Apple device near a Maya Terminal.
2. The customer authenticates using Face ID, Touch ID, or the device passcode when prompted.
3. Apple Pay securely provides a tokenized payment credential.
4. Maya processes the transaction through the applicable card network and issuing bank.
5. The customer and merchant receive the transaction result.
6. Approved transactions are settled according to the merchant's settlement schedule.

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Next Steps

Choose the Maya product that best matches the payment experience you want to provide.

See also:

• Apple Developer - Apple Pay
• Apple Developer - Apple Pay Sandbox Testing
• Apple Developer - Acceptable Use Guidelines for Websites
• Maya Developer Hub - Pay using Network Token
• Maya Developer Hub - Authorize using Network Token