This article will guide merchants through enabling your Authorize.net account for Apple Pay.

Understanding Apple Pay

Apple Pay uses payment network tokenization. If your processor does not support payment network tokenization, or if Authorize.net does not support your payment processor's tokenization interface, you cannot sign up for Apple Pay through Authorize.net.

The Authorize.net Accept Mobile SDKs for Apple Pay enable mobile developers to integrate payment card payment functionality into their mobile applications without passing sensitive card data back to their application servers. For example, you can accept payment card data directly, or use the Apple Pay services on your customer's phone.

Requirements for Apple Pay with Authorize.net

• You must have your Apple Merchant ID.
• You must enable the service in the Merchant Interface.
• You must generate a CSR file to upload to Apple.
• You must submit the generated CSR file to Apple.
• You must generate your Authorize.net API Login ID and Transaction Key.
• Your Authorize.net account is on a supported processor,

How Apple Pay Transactions Work

When a customer checks out in your app or on the web, Apple Pay tokenizes the customer's credit card information. This token is then used for the transaction, eliminating the need for the customer to enter their credit card information. Apple Pay passes the tokenized card information to Authorize.net.

Cost of Using Apple Pay

Authorize.net does not charge any separate or additional fee for using Apple Pay, Please check on your Apple Pay account for any fees they may charge.

To see the fees on your Authorize.net account, follow the steps below:

1. Sign in to the Merchant Interface.
2. Select Account from the main toolbar.
3. Click on Merchant Profile in the main left side menu.
4. Click on Fees to the right of Payment Gateway in the Payment Methods section.

Supported Processor Connections for Apple Pay on Authorize.net

Authorize.net supports Apple Pay on the following processors:

• Chase Paymentech
• Global Payments
• TSYS
• FDC Nashville
• NAB EPX
• Vantiv

Finding Your Processor on Authorize.net

1. Sign in to the Merchant Interface.
2. Select Account from the main toolbar.
3. Choose Merchant Profile from the menu on the left.
4. Under the Payment Methods section, the Processor name will be listed.

Obtaining an Apple Merchant Identifier

A merchant identifier uniquely identifies you to Apple Pay as a merchant who is able to accept payments. A merchant identifier never expires, and you can use the same one for multiple apps. See: Create a merchant identifier

Enabling Apple Pay in the Merchant Interface

Account Owners can follow these steps: 

1. Sign in to the Merchant Interface.
2. Click Account from the main toolbar.
3. Click Digital Payment Solutions from the menu on the left.
4. Click Sign Up in the Apple Pay section.
5. Enter your Apple Merchant ID/Identifier in the Apple Merchant ID Field.
6. Click the Generate Apple CSR button.
7. This will create and download the CSR file to use with your Apple account.
8. Complete the enrollment process by submitting your CSR to Apple.

You must submit a Certificate Signing Request (CSR) to Apple in order to receive a payment processing certificate. The certificate enables Authorize.net to decrypt the payment data in your Apple Pay requests.

Submitting a CSR File to Apple

See Apple's documentation on setting up Apple Pay requirements for details. Use the CSR that you created in Authorize.net instead of creating a new CSR.

Developer and Integration Resources:

More information can be found in the Developer Documentation and API Reference Guide:

• Developer Documentation
• API Reference Guide