How to accept Apple Pay for your business

Learn what you need to let customers pay using Apple Pay at your business.

First, find your payment account details

Check your merchant account statement and terminal for the payment account details that you're using to accept credit or debit cards today:

  • Merchant account provider or Independent Sales Organizations (ISO)
  • Payment processor (Your payment processor and merchant account provider might be the same. For example, large volume or multi-location merchants are usually served by direct sales forces of the Payment Processor.)
  • Merchant account number or merchant ID (MID) 
  • Support number on your account statement or point of sale (POS) terminal 
  • POS terminal make and model 

If you don't know where this information is, you can learn where to find it

Learn how your business can accept Apple Pay

After you get the information above, call the support number for your merchant account provider on your statement or terminal and ask how to accept Apple Pay. Remember to ask if your terminal is NFC capable and if you can support Apple Pay. Then learn what to do next:

If your terminal is NFC capable and has the correct software

Make sure that your terminal works for each payment network (Visa, Mastercard, Amex and Discover), credit card, and debit card.

If your terminal is NFC capable but needs to be updated to accept Apple Pay

Your merchant account provider might update your terminal automatically, or you might need to make the update from your terminal. Contact your merchant account provider for help upgrading your terminal for each of the major payment networks.

Check the examples below to see some of the acceptance standards for Apple Pay on a few terminals and payment networks. For the current requirements for your terminal, please contact your Merchant Account Provider.

American Express

  • Software: ExpressPay
  • Contactless specification: 3.0
  • EMV specification: 3.0


  • Software: D-PAS
  • Contactless specification: 1.0
  • EMV specification: Any version of Kernel 6


  • Software: PayPass
  • Contactless specification: 3.0
  • EMV specification: 3.0


  • Software: PayWave
  • Contactless specification: VCPS 2.1.1
  • EMV specification: Any version of Kernel 3

The example shown above is for Ingenico Telium devices operating a minimum of RBA/UIA v12.x for contactless and RBA v 15.1.2 for EMV. The required terminal and network software version specifics can change depending on the terminal manufacturer, so the best way to get this information is to ask your merchant account provider.

If your terminal isn't NFC capable and you need to replace it to accept Apple Pay

See if your merchant providers offers a free terminal upgrade. In some cases, you might need to extend your agreement or contract to lease or purchase a new terminal.

Your new terminal should already have the latest software for each major payment network, so you can start accepting Apple Pay. Ask your merchant account provider to implement an EMV-certified terminal that collects CDCVM for the most convenient, fast, and secure payment experience. Learn more about EMV.

If you can't update your terminals or you get new ones

You might need to switch your merchant account provider to accept Apple Pay.

Create the best customer experience in your store

Help employees learn about Apple Pay and how it works in your store so that they can assist customers. And see how customers can use store and rewards cards with Apple Pay.

Order an Apple Pay signage kit

To let customers know that you accept Apple Pay in your store, you can order a signage kit that includes:*

  • Countertop cards
  • Decals and clings
  • Window posters
  • An employee training guide

This signage kit helps customers know that they can make safe, contactless purchases at your store using Apple Pay.

* Apple Pay signage kits are available only in the United States.

Contact us if you have issues using Apple Pay in stores

After some terminal updates, NFC might not work or you might not be able to use Apple Pay, even if it was previously working.

If Apple Pay stops working and you need help, contact us.

Get help finding your merchant account provider information

If you need to call your merchant account provider to see if you can accept Apple Pay, but you aren't sure where to find the information that you need, check the list below:

  • Merchant account provider: Your merchant account provider sends funds to your business checking account for credit or debit card transactions. To see who your merchant account provider is, find the statement that you use to make sure that you got the funds from customers who purchased goods in your store. That statement might be from your merchant account provider or one of the large payment processors that operate in the US. 
  • Payment processor: Your statement should have the name of your payment processor, but it might not have the name of your merchant account provider. 
  • Merchant account number or MID: Check your statement for your MID. Your merchant account provider or payment processor uses your MID to identify you. You might also find a support number to call on your statement. Some merchant account providers might have their own support lines, but others will route you to your payment processor.
  • Terminal make and model: This is the terminal that you use to swipe cards today. Your terminal can be from one of many terminal manufacturers: First Data, Ingenico, Verifone, Square, and Equinox. Check the front or back of the terminal to see the make or model. You might also find the support number for your merchant account provider or ISO on the terminal. 

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