Apple Pay

Apple Pay provides an easy and secure way to make payments in iOS, iPadOS, and watchOS apps, and on websites in Safari. Choose an integration option below to get started — from full Server-to-Server control to Checkout Page and Pay by Link.

Networks	Features	Integrations	payment_type
Visa, Mastercard	Payment Authorize Capture Refund Partial refund Reverse Register	Server-to-Server Checkout Page Pay by Link Payment Page Redirect	applepay

Payment workflow

The following diagram shows the typical Server-to-Server happy path, where the decrypted Apple Pay token includes a wallet cryptogram and OneAPI returns a direct payment result. Sequence diagrams for each authentication flow (wallet cryptogram, own MPI, and gateway 3DS) live on the corresponding Server-to-Server guides.

Apple Pay — Server-to-Server (wallet cryptogram)

Scroll horizontally if the diagram is wider than your screen.

1. 1
   Payer (Customer)→Merchant

   1. Initiates transaction

2. 2
   Merchant→Payer (Customer)

   2. Displays Apple Pay button (merchant frontend)

3. 3
   Payer (Customer)→Apple Pay

   3. Clicks Apple Pay button

4. 4
   Apple Pay→Payer (Customer)

   Apple Pay authentication (Face ID / Touch ID)

5. 5
   Payer (Customer)→Apple Pay

   Authenticates payment

6. 6
   Apple Pay→Merchant

   4. Encrypted Apple Pay token (includes cryptogram)

7. 7
   Merchant→Merchant

   5. Decrypts token and extracts card data + cryptogram

8. 8
   Merchant→OneAPI

   6. Payment API request with card data + threeds_wallet_cryptogram

9. i
   OneAPI

   Cryptogram proves cardholder authentication — OneAPI skips 3DS

10. 9
    OneAPI→Merchant

    7. Payment result (success/declined)

11. i
    OneAPI

    Payment processing occurs asynchronously

12. 10
    OneAPI→Merchant

    8. Postback notification (payment status update)

13. 11
    Merchant→Merchant

    9. Update order status

14. 12
    Merchant→Payer (Customer)

    10. Display final confirmation

Integration options

Choose how you want to accept Apple Pay:

Server-to-Server

Integrate Apple Pay on your frontend and send decrypted card data to OneAPI via the Payment API. Requires PCI DSS compliance.

Start integrating

Checkout Page

Create a checkout session and redirect customers to the hosted checkout. Apple Pay is rendered for you — no Apple certificates on your side.

Start integrating

Pay by Link

Share a Pay by Link with your customer. When enabled on the channel, they can pay with Apple Pay on the checkout.

Start integrating