apple pay - adyen f646c1b5-d431-4335... app integration with the apple pay services. possible...

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  • www.adyen.com

    Fast facts

    Markets In-app and POS

    United States United Kingdom

    US and UK issued card holders anywhere in the world.

    Markets

    In-app only

    Australia Canada Australian and Canadian cards issued anywhere in the world.

    Currencies 187 currencies

    Status New mobile-centric payment method

    Relevance level Demonstrate innovation

    Supported devices iPhone 6, iPhone 6 Plus, iPhone 6S, iPhone 6S Plus, Apple Watch-compat- ible devices, iPad Air 2, and iPad Mini

    Channels Smartphone, Tablet, POS

    Who It’s Relevant For

    Due to its cool factor and frictionless experience, Apple Pay is a

    that Apple Pay only works for physical goods and services. In-app

    purchases for digital goods or within iTunes are conducted via

    reconciliation, reporting and settlement services.

    Recurring payments Yes

    Refunds Yes

    Partial refunds Yes

    Chargebacks Not for any fraud related reason codes

    (although cards are being regularly added). As of November 2015,

    the following cards are supported in each market:

    • US: Visa, MasterCard, American Express, Discover

    • UK: Visa, MasterCard, American Express

    • Australia: American Express

    • Canada: American Express

    Adyen supports all the cards above.

    Apple Pay Payment method guide Apple Pay is a mobile payment and digital wallet service by Apple Inc.

    that lets users make payments in-app or in-store with select Apple

    devices.

    • Seamless cross channel solution in-app & in-store

    • Delivering a frictionless customer experience with Touch ID

    • 99% authorization rate

    • Liability shift on fraudulent transactions

  • www.adyen.com

    Setup

    Apple Pay acts as a digital wallet, and stores consumers’ payment

    cards securely on the device.

    input their card details or take a photo of the front of the card. If

    they choose the latter, all of the information is encrypted and sent

    to Apple’s servers, where Apple decrypts and determines the card

    scheme or card issuer. Apple then re-encrypts the data with a key

    Next, the card scheme, as part of the Apple Pay solution, sends

    the encrypted card data, along with other user information, such

    as iTunes account activity and device information (e.g. name of

    device, location, device history with iTunes) to the issuing bank.

    The bank then determines whether the card can be virtualized for

    Apple Pay. Please note that only issuers that are integrated with

    How it works

    Apple Pay will receive these requests. If the issuer approves, the

    data of the virtualized card is securely sent to the Secure Element

    in the Apple device and the device is ready for use.

    Transactions on tablet/smartphone

    Apple Pay is an inherently mobile experience, and works on the

    iPhone 6, iPhone 6 Plus, iPhone 6S Plus, iPad Air 2, and the iPad

    Mini 3. Apple Pay is enabled since the iOS8.1 release, delivered

    October 20th, 2014.

    To pay within apps, consumers simply select Apple Pay, and place

    Once consumers submit the payment, Adyen processes the

    and functionality are regularly added through iOS updates.

  • www.adyen.com

    steps may differ according to the shopper's choices and the

    merchant setup.

    2. Shopper pays with ‘Touch ID’ – where the iPhone (or 1. After selecting the item they wish to purchase, the

    shopper selects Apple Pay (this is an option for

    express checkout).

    3. The shopper reaches the thank you page.

  • www.adyen.com

    POS Transactions

    Apple Pay also works on the iPhone 6, iPhone 6S, iPhone 6S Plus

    and on the Apple Watch to facilitate in-store payments via NFC

    (Near Field Communication). Apple Pay works at any merchant that

    is NFC enabled at the Point-of-Sale.

    To pay in stores, consumers simply tap their iPhone against

    the contactless reader at checkout, and then authenticate the

    transaction with Touch ID.

    This authentication signals to the phone that it can transmit the

    Device Account Number (a token issued by the card network) and

    its accompanying “transaction specific dynamic security code”

    to the merchant's terminal. The transaction then proceeds as a

    bank network or issuer verifies that the consumer’s payment

    information is coming from the correct device and has not been

    duplicated.

    Security

    Apple designed Apple Pay to use tokenization. Apple has worked

    directly with credit card networks like Visa and American Express

    to move tokenization to their end of the chain.

    The Apple Pay setup is the only time actual credit card information

    to the card network, it is decrypted and the card network issues a

    token called a Device Account Number (DAN). The DAN is device-

    network sends this DAN to Apple along with other information,

    such as the key used to generate dynamic security codes unique

    to each transaction. Apple securely stores this information on

    the phone in a “secure element”, which is a separate chip within

    the iPhone running separated from the phone operating system.

    The secure chip is also the only element within the device that can

    produce dynamic security codes.

    During merchant transactions, Apple Pay does not send the

    merchant the standard card number, CVV or expiration date from

    the customer. Instead, it only sends the merchant the DAN. This

    DAN is translated into a credit card number only when it reaches

    the payment network, meaning that only the issuing bank and the

    card scheme have information about the card.

    Available Integration Methods

    At this moment Apple Pay only works with native iOS apps.

    Merchants wishing to integrate Apple Pay will do that through

    Adyen’s iOS library or Direct API.

    merchants to add Apple Pay support no matter the selected iOS

    app integration with the Apple Pay services. Possible integration

    methods include:

    • Adyen’s iOS Framework: Encrypted Apple Pay data is retrieved

    using Adyen software that can be added to the merchant’s

    native application

    • Decrypted Apple Pay Data: The merchant retrieves the Apple

    Pay Data and decrypts it before sending it to Adyen

    for processing

    • Encrypted Apple Pay Data: The merchants retrieves the

    Apple Pay Data and does not decrypt it before sending it

    for Adyen for processing

    that should be addressed on a case-by-case basis.

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