About Apple Pay for merchants

Apple Pay gives your customers an easy, secure, and private way to pay in stores, within apps, on the web, and in Business Chat. Customers can use the devices that they have with them every day.

Accepting Apple Pay is faster than accepting traditional credit and debit cards and other payment methods. Customers no longer need to spend time searching for their wallet and finding the right card. Within apps or websites when using Safari,1 your customers can check out with a single touch.

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 with Apple Pay, you don't receive or handle their actual credit card, debit card, or bank account numbers in your systems.

How do I start accepting Apple Pay in my store?

Depending on your country or region,2 Apple Pay works with most card issuers and payment providers, including Visa, Mastercard, American Express, Discover, China UnionPay, and more.

To accept Apple Pay in your store, 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.5 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 that 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 learn more, contact merchant support.

My point-of-sale terminal is already NFC/FeliCa/contactless payment-capable. Can I accept Apple Pay right away?

If you accept Visa, Mastercard, American Express, Discover, China UnionPay, and other contactless payments today, you’re likely 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 that your point-of-sale setup can accept Apple Pay, then ask them to enable it. To learn more, see our Apple Pay merchant checklist.

Are there additional fees to accept Apple Pay?

No. Apple doesn't charge any additional fees.

Are Apple Pay payments charged as card present or card not present?

Payments made using Apple Pay in stores 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 stores, 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,1 Apple Pay transactions might be treated more favorably than standard transactions with a plastic card. Liability for transactions might shift to the issuer. Contact your payment provider to learn how you can benefit from liability shift for Apple Pay payments within your app and website.

How do I let my customers know that they can pay with 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 store.
  2. Download the Apple Pay mark to use within email, on your terminal screen, and on your website.1
  3. Add Apple Pay to your Maps listing
  4. Order Apple Pay decals to put on your storefront window and register.3
  5. Go to Apple Pay for developers to learn how to let your customers know they can use Apple Pay within your app or website.

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

In Japan, Apple Pay transactions are done with iD, QUICPay, PASMO, or Suica. When customers add their credit 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 typically would for a plastic contactless card.

When customers pay with Apple Pay, do they need to sign a receipt or enter a PIN?

When paying in stores with Apple Pay in some countries and regions, if your customer's transaction exceeds a certain amount, they might need to enter their PIN. In some cases, they might need to sign a receipt or use a different payment method.4

Apple Cash5 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 any debit transaction. If prompted, advise customers to enter a four-digit code such as 0000.

How do I process returns with Apple Pay?

Use the Device Account Number to find the purchase and process the return, just like 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 go to Wallet, tap the card, and tap the more button on the lower-right corner of the display.

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

Is there a limit to the transaction amount that customers can use Apple Pay for in my store?

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

How do I start accepting Apple Pay within my app or on the web?

To accept Apple Pay within your app or on the web,1 go to Apple Pay for developers to learn how to get started.

How do I start accepting Apple Pay in Business Chat?

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

How do I enable my rewards program to be used with Apple Pay?

Adding rewards cards to use with Apple Pay is available on supported payment terminals. Learn how to get started with Wallet or contact merchant support.

How do I learn more about Apple Pay?

  1. In China mainland, you can use Apple Pay on the web in Safari only on compatible iPhone and iPad models using iOS 11.2 or later.
  2. Learn which countries and regions support Apple Pay.
  3. Shipping of Apple Pay decals isn’t currently available in Brazil, China mainland, Japan, or Russia.
  4. To accept Apple Pay without the need for a signature at 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 cardmember verification white paper with your payment provider and ask them how you can allow your customers to use Apple Pay without needing to sign.
  5. Apple Cash is only available in the United States. The Apple Cash card is issued by Green Dot Bank, Member FDIC.
  6. Business Chat is currently in beta. In some countries, Business Chat will become available on a rolling basis.
Published Date: