About Apple Pay for merchants

Apple Pay gives your customers an easy, secure and private way to pay in shops, within apps, on the web and in Business Chat.

Accepting Apple Pay is faster than accepting traditional credit and debit cards and other payment methods. Customers don't need to spend time looking for their wallets to find the right card. Within apps or websites when using Safari, your customers can check out with a single touch.1

Accepting Apple Pay is also more secure than accepting traditional credit, debit and prepaid cards. Every transaction on your customer’s iPhone or iPad requires Face ID, Touch ID or a passcode. And each time your customer takes their Apple Watch off their wrist, the passcode must be entered to access it. When customers pay using Apple Pay, you don't receive or handle their actual credit card, debit card or bank account numbers in your systems.

Let customers know that they can pay using Apple Pay

  1. Display the payment symbols for your region and the Apple Pay mark prominently on your point-of-sale terminal to let your customers know they can use Apple Pay in your shop.
  2. Download the Apple Pay mark to use within email, on your terminal screen and on your website.
  3. Add Apple Pay to your Maps listing
  4. Order Apple Pay decals to put in your shop window and at the till.2
  5. Go to Apple Pay for developers to find out how to let your customers know they can use Apple Pay within your app or website.

How to accept Apple Pay in your shop

Depending on your country or region, Apple Pay works with most card issuers and payment providers, including Visa, Mastercard, American Express, Discover, China UnionPay and more.3

To accept Apple Pay in your shop, you need to have a contactless payment-capable point-of-sale terminal. In Japan, terminals should support iD, QUICPay, PASMO or Suica. Contact your payment provider so they can set up your terminal, and tell them you would like to accept Apple Pay.

Apple Cash transactions are processed like standard Apple Pay transactions.4 If you already accept Discover debit contactless transactions today, you should be able to accept Apple Cash without any changes. If you’re not already accepting Discover debit contactless payments, contact your payment provider to make sure your point-of-sale setup can accept Apple Pay, is configured with the most recent kernel and firmware versions, and can support the proper BIN ranges.

To find out more, contact merchant support.

How to accept Apple Pay within your app or website

To accept Apple Pay within your app or on the web, go to Apple Pay for developers to find out how to get started.

Do customers need to sign a receipt or enter a PIN?

If your customer's transaction exceeds a certain amount when they pay in shops with Apple Pay in some countries and regions, they may need to enter their PIN. In some cases, they may need to sign a receipt or use a different payment method.5

Apple Cash doesn't require a PIN as every payment is authenticated by Face ID, Touch ID or a secure passcode. Some terminals may still request a PIN to complete a debit transaction. If prompted, advise customers to enter a four-digit code, such as 0000.

Apple Pay transaction limits for customers

Apple Pay allows your customers to make easy and secure contactless payments of any amount. Read about transaction limits.

How to process returns with Apple Pay

Use the Device Account Number to find the purchase and process the return, just as you would with a traditional credit, debit or prepaid card payment. In Japan, you can also use the transaction ID on the receipt to find the purchase and process the return.

To see the last four digits of the Device Account Number, ask the customer to open the Wallet app, tap the card and tap the more button the more button in the top right-hand corner of the display.

The customer can also hold their iPhone or Apple Watch near the reader, select the card that they used to make the original payment and authorise the return with Face ID, Touch ID or a passcode.

Can I accept Apple Pay if my point-of-sale terminal is already NFC/FeliCa/contactless payment-capable?

If you accept Visa, Mastercard, American Express, Discover, China UnionPay and other contactless payments today, you’re probably able to accept Apple Pay for those networks without any changes.

If you're not already accepting contactless payments, contact your payment provider to make sure your point-of-sale setup can accept Apple Pay. Then ask them to enable it. To find out more, see our Apple Pay merchant checklist.

Are there additional fees to accept Apple Pay?

No. Apple doesn't charge any additional fees.

When Apple Pay payments are charged as card present or card not present

Payments made using Apple Pay in shops are “card present” transactions. Payments made using Apple Pay within apps or on the web are “card not present” transactions.

Will I be liable for fraud on Apple Pay transactions?

In shops, Apple Pay transactions are treated in the same way as your current credit, debit or prepaid card transactions. You'll have the same liability rules applied to Apple Pay transactions.

Within apps and on the web, Apple Pay transactions may be treated more favourably than standard transactions with a plastic card. Liability for transactions might shift to the issuer. Contact your payment provider to find out how you can benefit from liability shift for Apple Pay payments within your app and website.

In Japan, how do customers know if they're paying using iD or QUICPay?

In Japan, Apple Pay transactions are done with iD, QUICPay, PASMO or Suica. When customers add their credit card or prepaid card to Apple Pay, it's assigned as either QUICPay or iD. They can go to the Wallet app, tap the card and look for the logo to identify if it has been assigned as QUICPay or iD. If a customer requests to pay with Apple Pay, ask them if they use QUICPay, iD, PASMO or Suica. Process the payment as you normally would with a plastic contactless card.

Start accepting Apple Pay in Business Chat

To accept Apple Pay in Business Chat, go to Business Chat for developers to find out how to get started.6

Enable your rewards programme to be used with Apple Pay

Adding rewards cards to be used with Apple Pay is available on supported payment terminals. Find out how to get started with Wallet or contact merchant support.

Find out more about Apple Pay?

  1. In China mainland, you can only use Apple Pay on the web in Safari on compatible iPhone and iPad models using iOS 11.2 or later.
  2. Delivery of Apple Pay decals isn’t currently available in Brazil, China mainland, Japan or Russia.
  3. Find out which countries and regions support Apple Pay.
  4. Apple Cash is only available in the United States. The Apple Cash card is issued by Green Dot Bank, Member FDIC.
  5. To accept Apple Pay without the need for a signature for any amount, your payment terminal must be capable and configured properly, and your payment provider needs to support the latest network contactless specifications. Share the consumer device card member verification white paper with your payment provider and ask them how you can allow your customers to use Apple Pay without needing to sign.
  6. Business Chat is currently in beta. In some countries, Business Chat will become available on a rolling basis.
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