This page introduces Apple Pay as a wallet payment method available through Adyen.
What Apple Pay is
Apple Pay is a wallet that lets shoppers pay securely in-app, in store, and on the web. It uses network tokenization, stores payment information securely on the shopper's Apple Pay eligible device, and confirms the payment with Face ID or Touch ID.
When the shopper selects Apple Pay, they see a payment sheet where they choose a card and provide contact and shipping details, then authenticate with Face ID or Touch ID.
If you implement in Europe, Apple Pay is PSD2 SCA-compliant.
Apple Pay supports liability shift for American Express, Discover, JCB, Mastercard, and Visa cards. For Visa, liability shift depends on the iOS version: it applies globally on version 16.2 or higher, and to cards issued in Europe on version 16.1 or below.
Requirements at a high level
Apple Pay is available with specific issuers, on specific devices and browsers, and in specific countries and regions. Refer to Apple's lists of supported issuers, compatible devices and browsers, and available countries.
The shopper must already have a card added to their Apple Pay wallet for Apple Pay to appear as an option.
Follow Apple's guidelines for designing and implementing your Apple Pay integration.
Enabling and onboarding
Apple Pay is accepted through Adyen and must be enabled on your merchant account. Before you can activate Apple Pay, you must already have Mastercard and Visa enabled on your account. To add it:
Contact Valpay to request Apple Pay for your account.
Choose which certificate to use:
Your own Apple Pay certificate, which works for all integrations (web and native apps).
Adyen's certificate, which works for web integrations only.
You can combine the two, for example your own certificate for native apps and Adyen's certificate for web.
Verify each domain where you offer Apple Pay. You do this by uploading a domain association file to your domain, which proves you own it. Valpay provides the file and the exact location to host it during setup.
You can only offer card networks through Apple Pay that are already enabled on your account. For example, if Mastercard is not enabled for you, shoppers cannot use a Mastercard through Apple Pay. Contact Valpay to enable a card network.
How it integrates
Apple Pay works through Adyen Drop-in and Components.
With Drop-in and Components, Adyen returns the eligible payment methods per transaction, so Apple Pay appears for shoppers when they are on a supported device and it is enabled on your account. See Supported Payment Methods.
The payment then follows the standard payment flow, and you confirm the final outcome from the Adyen webhook. See Standard Payment Flow.