Accepting Apple Pay is faster than accepting traditional credit and debit cards.* Customers no longer need to spend time searching for their wallet and finding the right card. Within apps or websites when using Safari, your customers can check out with a single touch.
Accepting Apple Pay is also more secure than accepting traditional credit and debit cards. Every transaction on your customer’s iPhone or iPad requires Touch ID—our fingerprint identity sensor—authentication or passcode. And each time your customer takes their Apple Watch off their wrist, the passcode must be entered to access it. In addition, you don't receive your customer’s actual credit or debit card numbers, so you aren't handling actual credit or debit card numbers in your systems when they pay with Apple Pay.
How do I start accepting Apple Pay in my store?
Apple Pay works with Visa, MasterCard, American Express, and China Union Pay cards and most payment providers. In the United States, Apple Pay also works with Discover cards. In Canada, Apple Pay also works with Interac cards.
To accept Apple Pay in your store, you need to have a contactless payment-capable point of sale terminal. Contact your payment provider so they can set up your terminal, and tell them you would like to accept Apple Pay. To learn more, contact merchant support.
My point of sale terminal is already NFC/contactless payment-capable. Can I accept Apple Pay right away?
If you accept Visa, MasterCard, American Express, Discover, or Interac 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 verify that your point of sale setup can accept Apple Pay, and 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 are card not present transactions.
Will I be liable for fraud on Apple Pay transactions?
Within stores, Apple Pay transactions are treated in the same way as your current credit and debit transactions. You'll have the same liability rules applied to Apple Pay transactions.
Within apps and websites, Apple Pay transactions might be treated more favorably than standard transactions with a credit or debit 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.
How do I let my customers know that they can pay with Apple Pay?
Display the contactless payment symbol 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.
Go to Apple Pay for developers to learn how to let your customers know they can use Apple Pay within your app.
When customers pay with Apple Pay, do they need to sign a receipt or enter a PIN?
As they do today with a plastic credit or debit card, customers in the United States might need to sign a receipt, depending on the store and the transaction amount.
In Australia, if the transaction amount is more than 100 AUD, the customer might need to enter a PIN. There might also be limits to the transaction amount.
Customers in New Zealand might need to enter a PIN for purchases over 80 NZD.
Customers in Switzerland might need to enter a PIN or sign a receipt for transactions of 40 CHF or more.
Customers in Russia might need to sign a receipt or enter a PIN for purchases over 1000 RUB.
Customers in Spain might need to enter a PIN for purchases over 20 EUR.
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.
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 or debit card payment. To see the last four or five digits of the Device Account Number, ask the customer to go to Wallet, tap the card, and tap 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 they used to make the original payment, and authorize the return with Touch ID or 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. Your customers might need to insert their card if either of these apply:
- Your payment terminal or payment provider doesn’t support the latest network specifications, as with contactless debit and credit cards
- The transaction amount is over 100 CAD in Canada, 20 EUR in France, 500 HKD in Hong Kong, 100 SGD in Singapore, or 30 GBP in the UK
How do I start accepting Apple Pay within my app or website?
To accept Apple Pay within your app or website, go to Apple Pay for developers to learn how to get started.