Apple Pay is a mobile payment service that allows users to make payments in iOS apps, watchOS apps, and websites on Safari. It provides an easy and secure way for customers to pay because they can make purchases without entering their billing, shipping, and contact details.
When a customer adds a bank card to their Wallet with Apple Pay, the actual card number is not stored on the device nor on the Apple server. Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on the iPhone or Apple Watch of the customer. Instead of using the security code from the back of the card, Apple Pay creates a dynamic security code to securely validate each transaction.
Zuora supports creating an Apple Pay payment method and making web-based Apple Pay payments by using REST API. When a customer uses Touch ID to make a payment with Apple Pay, you will receive a bunch of encrypted data sent from the Apple server. Then you can send these data together with other optional information to Zuora through REST API. Zuora will leverage these data to process the payment with the payment gateway. After the gateway has processed the payment, the payment completes and an Apple Pay payment method is created in customer's account in Zuora. This API also allows you to validate and store this Apple Pay payment method without processing a payment.
Currently, Zuora only supports setting up Apple Pay with credit cards and processing Apple Pay payments on the following payment gateway integrations:
- Chase Paymentech (Orbital) Gateway 7.0.1 Integration
- Vantiv (Now Worldpay) Gateway
- CyberSource, Payment API v2.0
Recurring transactions through Apple Pay will be processed identically to credit card transactions.
Apple only allows users to make web-based Apple Pay payments on Safari. Therefore, you should explicitly inform your customers to visit your website using Safari. See Getting Started with Apple Pay for more information.
For the CyberSource, Payment API v2.0 gateway integration, only the following credit card types are supported to create Apple Pay payment method and process Apple Pay payments:
- American Express
Configuring Apple Pay
- Use your Apple Pay developer account to register merchant ID and the merchant domain for your organization. See Getting Started with Apple Pay for details.
- Sign up for a merchant account for a Chase Orbital, CyberSource, or Vantiv (Now Worldpay) payment gateway. Note that if you have an existing Chase Orbital gateway account, make sure it is using the Salem Platform. See Chase Paymentech (Orbital) Gateway for more information. If you have an existing CyberSource payment gateway account, make sure you are also using the CyberSource, Payment API v2.0 gateway integration in Zuora. See CyberSource Payment Gateway for more information.
- Contact Zuora Global Support to generate a Certificate Signing Request file (.certSigningRequest extension) for you. Zuora Global Support will then send the CSR file to you.
- You need to upload the CSR file on the website of Apple Pay, download Apple certification file (.cer extension), and then send back to Zuora Global Support together with your Apple Pay merchant ID.
- You need to complete several integration steps to make Apple Pay functional on your website. For example, register and validate your website domain as described in Configuring your environment. For more information, see Implementing Apple Pay.
Use REST API to Create Apple Pay Payment Method
After you have completed the configuration, you can use Zuora REST API to:
- Create an Apple Pay payment method.
- Create an Apple Pay payment method and process a payment.
See Create Apple Pay payment Method for details.
Use Apple Pay in Zuora UI
When Zuora has created the Apple Pay payment method for a customer account, you can view this payment method on the All Payment Methods page in Zuora UI.
You can use Apple Pay like other credit cards to process payments. Like other credit cards, you cannot modify the card type and card number when editing a payment method in Apple Pay.