Apple Pay

The Tietoevry E-Commerce Payment Gateway offers seamless and secure integration with Apple Pay, enabling merchants to accept tokenized, biometric-authenticated payments from Apple device users. Apple Pay enhances the checkout experience with one-touch payments, pre-filled customer data, and strong fraud protection, making it ideal for mobile-first and fast checkout environments.

Apple Pay – Gateway Owner Responsibility

To activate Apple Pay in a production environment, the Gateway Owner (e.g., Bank or PSP) is responsible for handling all necessary contractual agreements with Apple. This includes:

  • Registering with Apple Merchant Services

  • Managing merchant domain validation

  • Accepting Apple’s terms and conditions

This obligation applies to both delivery models:

  • Managed Service – Tietoevry provides technical integration and support, but legal/commercial registration with Apple remains with the Gateway Owner.

  • On-Premises – The Gateway Owner is fully responsible for all technical and contractual steps with Apple.

Integration via EGW

Apple Pay is integrated into the EGW Hosted Checkout Page and is also supported in API-based implementations. Merchants do not need to build direct connections to Apple — all required validation and scheme interactions are handled by EGW.

Integration Highlights:

  • Hosted Checkout Page: Automatically detects eligible Apple devices and displays Apple Pay button.

  • API-based Integration: Supports Apple Pay JS for custom checkout implementations.

  • Token Processing: Uses Mastercard MDES and Visa VTS for network tokenization.

  • Merchant Domain Validation: Handled centrally by EGW to simplify onboarding.

End-User Flow

  1. Customer clicks Apple Pay button during checkout.

  2. A secure Apple Pay sheet opens, displaying the order total and saved shipping details.

  3. Customer confirms payment via Face ID, Touch ID, or device passcode.

  4. EGW processes the network token and completes the transaction.

  5. Confirmation is instantly shown on the merchant site or app.

Merchant Capabilities

Feature
Description

Turnkey Enablement

No custom integration needed on Hosted Checkout; Apple Pay appears automatically for supported devices.

Custom Display

Merchants can adjust Apple Pay button color, label (“Buy with Apple Pay”), and style.

Cross-Platform Support

Works on Safari (iOS, macOS), and inside native iOS applications.

Refund Support

Refunds processed via Merchant Portal or refund API using the original token reference.

Tokenization for Future Use

Tokens can be stored (with consent) for one-click or recurring payments.

Security and Compliance

  • No card data exposure: EGW and merchants never handle raw PAN or CVV.

  • Strong Customer Authentication (SCA) built-in via biometrics.

  • Tokenized Transactions: All payments are processed using scheme tokens (MDES or VTS).

  • Meets PCI DSS SAQ-A requirements for Hosted Checkout merchants.

Business Benefits

  • Increases conversion, especially on Apple devices.

  • Reduces cart abandonment with one-click, pre-filled checkout.

  • Enhances fraud prevention with biometric and device authentication.

  • Supports mobile, tablet, desktop, and in-app use cases.

  • Fully white-labeled — Apple Pay flows appear under the merchant or bank’s branded gateway.

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