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Apple Pay transactions can be processed via the Saferpay Payment Page, without much effort from you side. Note that Apple Pay is not a classic means of payment, but rather a digital wallet. Your customers will still pay with Visa, Mastercard, or whatever credit card has been saved inside the wallet, thus the actual recorded payment method will correspond to this. However, Saferpay will also return information that this transaction has been performed through Apple Pay. Furthermore, all options and limitations of the used means of payment apply, if not mentioned otherwise in this chapter.
The following chapter will guide you through the steps required in order to activate and use Apple Pay.
The handling of Apple Pay payments with Saferpay requires:
- The corresponding Saferpay eCommerce licence and thus the existence of a valid identification with a username and password for the Saferpay system.
- Availability of at least one active Saferpay terminal by which payments can be carried out and availability of the associated Saferpay TerminalId.
Since Apple Pay is not a classical payment method, but a digital wallet, the supported features depend on the payment means, that are used.
Furthermore, the merchant can only accept payment methods, that are activated on the specified terminal Id.
The payment means within the wallet are then processed via the normal processors.
For example: If a card holder selects his Visa card, the card is then processed as such, through Apple Pay as the wallet.
The activation of Apple Pay for your Saferpay account, be it live, or on the test-environment, requires next to no effort and can be done in a matter of seconds.
However, there are two options available to you, that represent the two integration methods available to you.
You have to decide first, which option you want to use -you can use both, if you want- and then proceed to the activation itself:
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2 - Next, select the e-Commerce, or Secure PayGate terminal on which you want to activate Apple Pay.
3 - Navigate to the Self Service section, there you will find Apple Pay.
4 - Activate Apple Pay for the Payment Page.
5 - You will be prompted with another window, which asks you to accept the Terms and Conditions from Apple. Mark the checkbox and click Activate.
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6 - And you are done! Apple Pay is now available for you on your Saferpay Terminal.
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#2: Scroll down to the Self Service Section, until you see Apple Pay and activate it for Business use.
#3: You will be prompted with a window, asking you to accept Apples terms and conditions. If you do, click the box and then on Activate.
#4: Once you have activated Apple Pay, you need to configure it. For that, you have to click on Configure.
#5: You will be prompted with the configuration-window.
In order to be able to authorize Apple Pay payment tokens, Saferpay must be able to decrypt said tokens. This is done using a certificate, which first must be created, following these steps:
- 1.Download the Saferpay Certificate Signing Request (CSR).
- 3.Upload the certificate to Saferpay.
- 4.All done!
The Payment Processing Certificate is not the same, as the Merchant Identity Certificate. Only the former is needed for Saferpay.
- Apple Pay is only available with SpecVersion 1.15 or higher.
- Apple Pay can only be used with Apple devices, like Macs, iPhones and iPads. Exception being the test environment, so you are able to test Apple Pay on other devices.
- Furthermore, only Apple's own browser, Safari, is supported. Exception being the Simulator on the test environment, so you are able to test Apple Pay using other browsers.
- Apple Pay specifically will not be displayed, if the Payment Page is opened in an Iframe, due to restrictions emposed by Apple. Thus, you must make sure, that you do not open the Payment Page in an Iframe, if you want to use Applepay.
Conditionparameter does not work with Apple Pay transactions.
The Payment Page Integration follows the normal flow and Guidelines, as described here. The handling of all Apple Pay related aspects -calling the Apple Pay API , displaying information, 3D Secure etc.- will be done by the Payment Page automatically and thus is none of your concern!
However there are some optional features, you can implement, outside of the normal Payment Page flow.
"SpecVersion": "[CURRENT SPECVERSION]",
"CustomerId": "[YOUR CUSTOMERID]",
"RequestId": "[YOUR REQUESTID]",
"ShopInfo": "My Shop",
"OsInfo": "Windows Server 2016"
"TerminalId": "[YOUR TERMINAL]",
"Description": "Test Order #123"
"Success": "[YOUR URL]",
"Fail": "[YOUR URL]",
"Abort": "[YOUR URL]"
Due to restrictions from Apple, Saferpay is not allowed to also directly select Apple Pay! If you use this method, Apple Pay will be displayed on the Payment Page, with the user having to select it.
If you are using "PaymentMethods", you must also submit "Wallets", if you want Apple Pay to be displayed. Also, if you are just submitting one payment method, the Payment Page will still directly jump to the card entry form, skipping Apple Pay.
If you are using "Wallets" alongside "PaymentMethods", you can limit the brands which your customers can use. However, note that the Payment Page also will display the given brands as dedicated payment methods, so the customer might pay this way instead of using Apple Pay.
Since Apple Pay is only available for iOS and MAC devices, Saferpay is obliged to only display Apple Pay, if such a device is used. However this client-side check can only be performed, if the Payment Page has been opened, which could lead to the page not displaying anything, if the wrong device and the pre-selection is used at the same time.
If you want to prevent non-compliant devices from reaching the Payment Page, you have to perform the availability-check beforehand.
Saferpay also offers the option for you to integrate Apple Pay directly into your application. This allows a more integrated and seamless solution, as it does not require the usage of the payment page, thus also circumventing its limitations (see above).
This requires an Apple developer account! If you do not have one already, please create one and then come back to this guide!
Please follow the following steps, in order to directly integrate Apple Pay.
Once the setup is done, you can go ahead and integrate Apple Pay. It is important to know, that, at this stage, you are directly integrating the Apple Pay Widget here and not Saferpay. Apple Pay covers the gathering of your clients account data, while Saferpay will use it to create a transaction.
This also means, that your integration underlies all the terms and conditions, rules and guidelines, defined by Apple! Please refer to the Apple Pay Documentation below for further information!
The important thing is, that you have to integrate Apple Pay to the point, where you gather the Base64 encoded Apple Pay Payment Token which then needs to be passed to Saferpay.
Once you have the token, you need to submit it to the Saferpay payment gateway. In order to do so, you first need to pass the token to your backend, so it may be used in a server-to-server request.
How you do this, is up to you. You could use a normal POST, an AJAX-method, or other means to do so.
However never integrate the server-to-server communication to Saferpay on client-side, as it requires the Saferpay API credentials to be present. These could be extracted at this point, allowing an attacker easy access to your account!
Never store sensitive Data and Credentials on client-side!
If you intent on also integrating Google Pay Server-to-Sever, we recommend doing it via the Transaction Interface method, as Google Pay requires it. This streamlines your integration and cuts down on your integration-effort for both.
The apple Pay widget will send you all kinds of data, however Saferpay only needs the following parameters and their content:
"data": [PAYMENT DATA],
"signature": [TOKEN SIGNATURE],
This data then needs to be Base64 encoded, before being submitted to Saferpay.
Saferpay does offer an extensive Apple Pay simulator. All test-cases are controlled through the simulator-ui. Unlike production, you do not need an Apple device, or browser, to test Apple Pay!
Please note: Only the Mastercard PANs are supported at this point!