What Is Apple Pay and How Is It Integrated with Paywall?
Apple Pay is a digital wallet solution that allows iOS device users to quickly pay using card details stored on their device, authenticated via fingerprint, face recognition, or device passcode. Businesses wanting to integrate this method independently have to:
- Complete Apple-specific certification processes
- Create a merchant identity
- Manage the technical requirements on their own
Managing Apple Pay as a separate integration can create additional technical and operational workload for businesses. With Paywall, the supported Apple Pay integration can be managed within the same centralized payment infrastructure used for other supported payment methods.
Fast and Secure Payment with Apple Pay Checkout
With Apple Pay, eligible users can complete payments using payment credentials stored on their supported Apple devices and authenticate the transaction using the available device authentication method. This can reduce the need to manually enter card details during checkout. Paywall enables the supported Apple Pay payment flow to be managed within the business’s centralized payment infrastructure.
Managing Apple Pay and Other Payment Providers with a Single API
Businesses may want to offer credit card, debit card, and other digital wallets in addition to Apple Pay. Paywall’s single-API structure allows all of these different methods to be managed through the same integration.
Card Storage and Cardwall in Apple Pay Payments
Managing Apple Pay Alongside Stored-Card Payment Flows — Apple Pay uses payment credentials associated with eligible cards added to the user’s Apple Wallet. Cardwall, on the other hand, supports stored-card management for eligible card payment scenarios within Paywall’s payment infrastructure.
Simplified Checkout with Apple Pay — Apple Pay allows eligible users to use payment credentials already available on their supported Apple devices, reducing the need to manually re-enter card details during checkout.
Payment Data Security — Payment-data handling should follow the security requirements applicable to the payment method and the infrastructure used. Apple Pay and Cardwall should be evaluated according to their respective payment and card-storage models.
Increasing Apple Pay Payment Success Rate with Paywall’s Smart Technologies
Smart Routing with PayRoute — PayRoute enables eligible card payment transactions to be routed among integrated banks and payment providers according to predefined rules. Criteria such as payment performance and cost can be taken into account when defining routing rules.
Failed-Payment Recovery with PayJump — For eligible card payment transactions, PayJump can retry a failed transaction through another integrated provider according to predefined rules. This capability can help support payment continuity in eligible failed-payment scenarios.
Step-by-Step Apple Pay Integration
| Step | Description |
| 1. Obtaining the required Apple Pay credentials | The business needs to have obtained the required certificate and merchant identity information through its Apple Developer account |
| 2. Configuration in the Paywall dashboard | The required Apple Pay integration information is configured in the relevant fields within the Paywall Management Panel. |
| 3. Defining environment information | Test and live environment settings are selected via the dashboard, and the required certificate information is correctly matched |
| 4. Testing and going live | After different scenarios are validated in the test environment, the integration goes live and real customer transactions begin processing |
How Are Payment Credentials Managed with Apple Pay?
Payment Credentials in Apple Pay — Eligible payment cards used with Apple Pay are added to and managed through the user’s Apple Wallet on supported devices.
Secure Payment Credentials — Apple Pay uses device-specific payment credentials and security mechanisms designed to avoid exposing the user’s actual card number during payment transactions.
Recurring Payment Scenarios — Recurring and subscription payment capabilities depend on the payment method, provider and supported integration model used by the business.
Frequently Asked Questions
How is Apple Pay integration done with Paywall?
The required Apple Pay integration information is configured in the relevant fields within the Paywall Management Panel according to the supported integration model.
How are payment cards managed with Apple Pay?
Eligible cards used with Apple Pay are added to and managed through the user’s Apple Wallet. Cardwall is a separate Paywall capability for supported stored-card payment scenarios.
Does Cardwall store the cards added to Apple Pay?
No. Cards used with Apple Pay are managed within the Apple Wallet ecosystem. Cardwall is used separately for supported stored-card scenarios within Paywall’s payment infrastructure.
How does PayJump support failed-payment scenarios?
For eligible card payment transactions, PayJump can retry a failed transaction through another integrated provider according to predefined rules.
How does Paywall step in when there’s a disruption in the Apple Pay infrastructure?
If Apple Pay becomes temporarily unavailable, the alternative payment options available to customers depend on the other payment methods configured by the business. Paywall helps businesses manage supported payment methods through a centralized payment infrastructure.
In conclusion, Paywall enables the supported Apple Pay integration to be managed alongside other supported payment methods within a centralized payment infrastructure. At the same time, Paywall’s orchestration capabilities can be used for eligible card payment scenarios across integrated banks and payment providers, helping businesses manage their broader payment operations more efficiently.
