Implement Apple Pay on Web

Introduction

Apple Pay is a mobile payment service that allows users to make payments in iOS apps, watchOS apps, and websites on Safari. It replaces physical cards and cash with an easier, more secure, and private payment method. 

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. You cannot create an Apple Pay payment method through the Zuora UI. However, after an Apple Pay payment method is created through the method described in the following sections, you can use it to process payments through the UI.

Apple Pay is provided by Apple and use of Apple Pay on the Web is subject to the Apple Pay Platform Web Merchant Terms and Conditions. By leveraging the Apple Pay Platform, you must monitor for potentially fraudulent patterns of behavior on an ongoing basis. These patterns of behavior might include but are not limited to average chargeback rates (excluding adjustments and merchandise returns) exceeding two percent (2%) over a thirty (30) day moving period. You must report such potentially fraudulent activity to Zuora. Continuous and/or excessive chargeback rates might be grounds for removal from the Apple Pay program.

Limitations

• 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 (Latest version)
  • Chase Paymentech (Orbital) Gateway 7.0.1 Integration
  • Vantiv (Now Worldpay) Gateway
  • CyberSource, Payment API v2.0
  • Adyen Integration v2.0
  • Stripe v2
  • Checkout.com

    Support for the Apple Pay payment method on checkout.com is in the Early Adopter phase. We are actively soliciting feedback from a small set of early adopters.

• Apple Pay is currently not compatible with Zuora's Payment Pages 2.0 feature.
• 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.

Implement Apple Pay integration

Zuora uses different approaches for supporting Apple Pay payment methods on Adyen Integration v2.0 and on other gateway integrations.

• On Adyen Integration v2.0, Zuora supports creating an Apple Pay payment method and making web-based Apple Pay payments by using the “Create a payment method” REST API operation. For more information, see Set up Adyen Apple Pay.
• On other selected payment gateway integrations, you can implement Apple Pay integration through the REST API, JavaScript SDK, or Payment Form. See the following articles for more information about the supported gateways and the implementation instructions: 
  • To implement the integration through API or JavaScript SDK, see Set up Apple Pay.
  • To implement the integration through Payment Form, see Payment Form.

Make payments with Apple Pay

After an Apple Pay payment method has been added to a customer account, it can be used to make payments similar to using credit cards. You can use Apple Pay payment methods in all Payments API operations. Processing Apple Pay transactions is not supported by the legacy CRUD API operations. You can also view the Apple Pay payment method in Zuora UI and process payments through the UI. Like other credit cards, you cannot modify the card type and card number when editing a payment method in Apple Pay.