Apple Pay

2024-12-20 08:41

Apple Pay is a leading digital wallet utilized by consumers worldwide for e-commerce shopping. It improves payment conversion rates by providing a faster and more secure checkout experience. Apple Pay holds 30% of the global digital wallet market share. Consumers can seamlessly access their saved card information and complete payments without the need for manual input.

Properties

The following table lists the product properties supported by Apple Pay:

Availability	Acquirer	AlipaySG	AlipayUK	AlipayEU	AlipayUS
	Merchant entity location	SG, HK	UK	EU	US
	Buyer country/region	Global	Global	Global	Global
Product features	Payment type	Card	Card	Card	Card
Product features	Card brand	Visa, Mastercard	Visa, Mastercard	Visa, Mastercard	Visa, Mastercard, American Express, Discover, JCB
Currency	Processing currency	AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, SGD, USD	EUR, GBP, USD, HKD, SGD, JPY, AUD, CAD, NZD	EUR, PLN, CHF, USD, GBP, HKD, SGD, JPY, AUD, CAD, NZD	USD
Other	3D	❌	❌	❌	❌
	Authorization validity period	7 days To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days.	7 days To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days.	7 days To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days.	7 days To reduce costs, we recommend that you initiate a request to capture or cancel the authorization within 3 days.
	Minimum payment amount	The smallest unit of the currency multiplied by 2. (That is, if the currency is USD, the minimum is 2 cents, based on the smallest unit of 1 cent)	The smallest unit of the currency multiplied by 2. (That is, if the currency is USD, the minimum is 2 cents, based on the smallest unit of 1 cent)	The smallest unit of the currency multiplied by 2. (That is, if the currency is USD, the minimum is 2 cents, based on the smallest unit of 1 cent)	0.01 USD or equal amounts
	Maximum payment amount	Unlimited	Unlimited	Unlimited	9,999,999.99 USD
	Recurring payments (MIT)	❌	❌	❌	❌
	Multiple partial captures	❌	❌	❌	❌
	Partial capture	❌	❌	❌	❌
	Refund	✔️	✔️	✔️	✔️
	Partial refund	✔️	✔️	✔️	✔️
	Refund period	365 days	365 days	365 days	365 days
	Chargeback/Dispute	✔️	✔️	✔️	✔️
	Advanced AVS check	✔️	✔️	✔️	✔️

User experience

Note: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.

The following screenshots show the user experience of paying with Apple Pay:

Web (Checkout)

Web

App

The user selects Apple Pay to pay.
The user is directed to the Apple payment sheet and completes the authentication.
The user is redirected to the merchant result page.

Integration considerations

The following section outlines integration considerations for various payment types, detailing customized integration solutions and payment method features.

Before payment

For merchants using the Antom hosted checkout page or merchant-hosted app, you may start the API or SDK integration directly. For merchants self-hosting the checkout page on the Web, Antom facilitates you to set up certificate configurations for subsequent payment processing. Apple uses this certificate to verify your transaction before initiating a payment session.

Request sample

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{
  "settlementStrategy": {
    "settlementCurrency": "USD"
  },
  "productCode": "CASHIER_PAYMENT",
  "productScene": "ELEMENT_PAYMENT",
  "paymentNotifyUrl": "http://gol.alipay.net:8080/amsdemo/result",
  "paymentRequestId": "ronrequestId_11111",
  "paymentRedirectUrl": "http://www.google.com",
  "paymentMethod": {
    "paymentMethodMetaData": {
      "applePayConfiguration": {
        "requiredShippingContactFields": [
          "email",
          "name",
          "phone",
          "postalAddress"
        ],
        "requiredBillingContactFields": [
          "name",
          "postalAddress"
        ],
        "buttonsBundled": "true"
      }
    },
    "paymentMethodType": "APPLEPAY"
  },
  "paymentFactor": {
    "isAuthorization": "true",
    "captureMode": "AUTOMATIC"
  },
  "env": {
    "clientIp": "142.1.1.2",
    "deviceLanguage": "en_CA",
    "deviceId": "",
    "terminalType": "WEB"
  },
  "paymentAmount": {
    "currency": "USD",
    "value": "10"
  },
  "order": {
    "orderAmount": {
      "currency": "USD",
      "value": "10"
    },
    "referenceOrderId": "requestId_535714291011951",
    "goods": [
      {
        "referenceGoodsId": "FP10235US-60",
        "goodsUrl": "",
        "goodsCategory": "",
        "goodsUnitAmount": {
          "currency": "USD",
          "value": "10"
        },
        "goodsQuantity": 1,
        "goodsName": "42/50/60/72 Inch Ultra-Thin Electric Fireplace with Decorative Crystals-60 inches"
      }
    ],
    "orderDescription": "Kmomm@gmail.com",
    "buyer": {
      "referenceBuyerId": "Kmosds@gmail.com",
      "buyerRegistrationTime": "2024-09-30T20:01:54+00:00",
      "buyerEmail": "Kmomm@gmail.com",
      "buyerName": {
        "firstName": "abc",
        "lastName": "Karim",
        "fullName": "abc Karim"
      }
    }
  }
}