Payments via Apple Pay
The Apple Pay payment method is available from viva.com to all its merchants. This method allows your customers to pay easily and quickly using the Apple Pay app or their Apple device.
Apple Pay provides a secure and seamless payment method you can offer in-app, in-store, and online (on Safari). Apple Pay uses tokenization technology, securely stores payment information on the buyer's device, and confirms the payment through Touch ID or Face ID authentication. Apple Pay complies with PSD2 SCA requirements.
Some of the key benefits of offering Apple Pay as a payment method are:
-
Popularity: People value using Apple Pay for fast and easy purchases. You can enhance the shopping experience by utilizing the improved checkout process, allowing users to approve the payment instantly and complete their transactions.
-
Quick Checkout: Customers can complete their purchase with just one tap, without needing to fill out a form.
-
Integrated Setup: Users who have not yet added a card can do so and pay immediately without leaving your app or website. Identify if customers are using a device that supports Apple Pay and offer the corresponding setup during the checkout process.
-
Security: Apple Pay provides a secure way to make payments. Every transaction on your customer’s iPhone or iPad requires Face ID, Touch ID, or a passcode. Additionally, whenever your customer removes their Apple Watch from their wrist, they need to enter a passcode to use it. Furthermore, you do not receive your customers’ actual credit or debit card numbers, so you do not manage sensitive data in your systems when customers pay with Apple Pay.
User experience
-
During checkout, the customer selects Apple Pay and taps the Pay button.
-
From the pop-up window, the customer chooses their preferred card and proceeds with the payment.
-
Next, the customer confirms their identity using a passcode or biometric data (Face ID or Touch ID) before completing the payment.
Once the customer pays with Apple Pay, the following steps occur:
-
The Apple Pay APIs call Viva.com with a payment object containing the payment data (encrypted).
-
Viva creates authorization through payment networks.
➡️Key Details
-
How to enable Apple Pay: All merchants are pre-enabled to accept payments via Apple Pay (except for certain categories listed below).
-
Payment method type: Synchronous - payments are confirmed instantly.
-
Refunds: Partial and full refunds are supported.
-
Recurring payments: Supported. You can create a recurring payment. Create a recurring payment.
-
Pre-authorizations: Supported.
-
Restricted MCCs: Certain merchant categories are ineligible for Apple Pay activation (see the list below).
-
Merchant countries: Countries and regions that support Apple Pay - Apple Support
-
Customer countries: Apple Pay participating banks in Africa, Europe and the Middle East – Apple Support (UK)
-
Supported devices/browsers: Devices compatible with Apple Pay – Apple Support (UK)
-
Pricing: Please visit the pricing page for more information.
-
Settlement: Customer payments are deposited into your business account the next day for confirmed payments/successful transactions.
-
Cross-currency payments: Currently not supported.
➡️Merchant Categories
Certain business activities are restricted by Apple. You can find these categories in the list below:
Mcc
5499 Miscellaneous Food Stores—Convenience Stores, Markets, Specialty
Stores
5967 Direct Marketing—Inbound Telemarketing Merchants
5993 Cigar Stores and Stands
6051 Non-Financial Institutions – Foreign Currency, Non-Fiat Currency for example:
Cryptocurrency, Money Orders (Not Money Transfer)
7841 Video Entertainment Rental Stores
8398 Organizations, Charitable and Social Service
Acceptable Use Guidelines for Apple Pay on the Web
➡️Supported Card Schemes
-
Visa
-
Mastercard
-
American Express
-
Maestro
-
JCB
-
Discover
-
Diners Club International
➡️Testing Apple Pay
To test the functionality of Apple Pay in the demo environment, click here.