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Apple Pay

Apple Pay is a mobile payment and digital wallet service made by Apple. It lets users make payments in iOS apps, on the web using Safari, and in-person contactless payments via their smartphones, smartwatches, or tablets.

The actual payment method depends on the card information that the user adds to their Apple Pay account. Their card information is stored for future purchases, making it easier to pay for their next order. This is also known as payment tokenization. Payment information is securely transferred from the cardholder to us, so we can and complete the payment.

Apple Pay complies with the PSD2 and Strong Customer Authentication (SCA) regulations. The payment is only completed when the customer uses their fingerprint or face recognition feature.

MONEI shows the Apple Pay button only when the customer's browser reports that Apple Pay is available on their device (for example an iPhone, an iPad, or a Mac with Touch ID). After they select Apple Pay as the payment method, the payment is completed with the Touch ID or Face ID, creating a seamless experience for the customer.

If your customers have questions about how to set up Apple Pay on an iPhone, Apple Watch, iPad, or Mac computer, you can share this Set up Apple Pay support article for more information.

Availability​

Apple Pay is available in many countries and regions worldwide. See Apple's overview of the countries and regions that support Apple Pay for the current list, which Apple keeps up to date.

Activation​

As soon as your account has been approved, Apple Pay is enabled by default. To turn it off or on again, go to MONEI Dashboard → Settings → Payment methods → Apple Pay and use the Accept Apple Pay switch.

Apple Pay payments are card payments, so Apple Pay shows at checkout only while a card processor that supports Apple Pay is on. If none is, the Apple Pay page shows Unavailable and a See card payment processors button.

Once activated, Apple Pay is available in the Hosted Payment Page integration. You can also use the Payment Request Component to render the button directly on your website. The Apple Pay button appears automatically for users on an Apple Pay enabled device.

Fees​

Apple Pay is not technically considered a payment method. It's a payment tokenization method. The actual payment method used depends on the credit or debit cards the consumer adds to their Wallet app. There are no extra costs to accept Apple Pay through MONEI — you only pay the regular card fees. There are also no extra transaction fees from Apple Pay.

For current rates, see Pricing.

Payouts​

Technically speaking, Apple Pay payments are card payments. Apple Pay is the digital wallet consumers use to store their card information. For this reason, the payout process is the same as card settlements and there are no additional transaction fees. Learn more about settlements and when you get paid.

Integration​

Web integration​

You can start accepting Apple Pay payments on the Web using Hosted Payment Page or Payment Request Component. No additional configuration is required to use Apple Pay in Hosted Payment Page.

Our Payment Request Component gives you a single integration for Apple Pay and Google Pay. Customers see a Google Pay or an Apple Pay button, depending on what their device and browser combination supports.

info

Open this page in Safari to see the Apple Pay button.

If you prefer to integrate directly against the Apple Pay API, follow the direct API integration guide below.

Register your domain with Apple Pay​

Most businesses can skip this step. The MONEI Hosted Payment Page, also on a custom domain, and the WooCommerce, PrestaShop and Adobe Commerce plugins register your website with Apple for you. Register a domain only if Apple Pay shows in a checkout you built on your own domain.

To register your domain with Apple, you will need to first verify your ownership of the domain. Go to your MONEI Dashboard → Settings → Payment methods → Apple Pay. Under Apple Pay on your own website, click Register domain and follow the instructions in the dialog. This section shows once Apple Pay is set up for your account.

You can also verify your domain with Apple using MONEI REST API.

Express checkout​

Use express checkout to collect shipping and billing addresses directly in the Apple Pay payment sheet. See the Express Checkout guide for setup and examples.

Direct API Integration​

Before you start, you need to:

Include monei.js on your checkout page by adding the script tag to the head of your HTML file.

checkout.html
<head>
  <title>Checkout</title>
  <script src="https://js.monei.com/v3/monei.js"></script>
</head>

Create Apple Pay Session

const session = new window.ApplePaySession(3, request);
session.onvalidatemerchant = async (event: any) => {
  try {
    const merchantSession = await monei.api.createApplePaySession({
      accountId: 'MONEI_ACCOUNT_ID',
      displayName: 'Test Merchant',
      domainName: 'example.com',
      validationUrl: event.validationURL
    });
    session.completeMerchantValidation(merchantSession);
  } catch (error) {
    session.abort();
  }
};

Exchange Apple Pay token for MONEI that can be used to confirm payment.

session.onpaymentauthorized = async (event) => {
  // Encode Apple Pay token as a base64 string
  const paymentToken = JSON.stringify(event.payment.token);
  const token = window.btoa(paymentToken);
  try {
    const result = await monei.api.createToken({
      paymentId: '{{payment_id}}',
      paymentMethod: {
        applePay: {token}
      }
    });
    session.completePayment({
      status: window.ApplePaySession.STATUS_SUCCESS
    });
    return moneiTokenHandler(result.paymentToken);
  } catch (error) {
    session.completePayment({
      status: window.ApplePaySession.STATUS_FAILURE
    });
  }
};
session.begin();

Confirm the Payment​

After you have obtained the MONEI Payment Token, you can confirm the payment using the token.

async function moneiTokenHandler(token) {
  try {
    const result = await monei.confirmPayment({
      paymentId: '{{payment_id}}',
      paymentToken: token
    });
    // At this moment you can show a customer the payment result
    // But you should always rely on the result passed to the callback endpoint
    // on your server to update the order status
    console.log(result);
  } catch (error) {
    console.error(error);
  }
}

Before you go live​

Common questions​

How do I activate Apple Pay?​

As soon as your account has been approved, Apple Pay is enabled by default. You turn it off or on again with the Accept Apple Pay switch in MONEI Dashboard → Settings → Payment methods → Apple Pay. See Activation for details.

What happens after I activate Apple Pay?​

Apple Pay becomes available in the Hosted Payment Page integration, and you can also use the Payment Request Component to render the button directly on your website. The Apple Pay button appears automatically for users on an Apple Pay enabled device.

Are there extra fees for Apple Pay?​

No. There are no extra costs to accept Apple Pay through MONEI and no extra transaction fees from Apple Pay — you only pay the regular card fees. See Fees.

How are Apple Pay transactions paid out to me?​

Apple Pay payments are card payments, so the payout process is the same as card settlements with no additional transaction fees. See Payouts.