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Apple Pay on Web

Zuora

Apple Pay on Web

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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

Implement Apple Pay integration

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

  • For 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.
  • For the following gateway integrations, you can implement Apple Pay integration through either the “Create an Apple Pay payment method” REST API or JavaScript SDK integration. For more information, see Set up Apple Pay for gateway integrations other than Adyen Integration v2.0.
    • Chase Paymentech (Orbital) Gateway 7.0.1 Integration
    • Chase Paymentech Orbital (Latest version)
    • Vantiv (Now Worldpay) Gateway
    • CyberSource, Payment API v2.0
    • Checkout.com

For new Apple Pay integrations on gateways other than Adyen, we suggest that you use the JavaScript SDK integration approach because it is more customizable and flexible. If you are already using the REST API approach, you can continue with your existing integration. If you want to implement Apple Pay integration on Adyen, you can only use the REST API approach.

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.