Apple Pay Integration

Apple Pay: An easier way to pay within apps

What is Apple Pay?

“Apple Pay is a way to make easy and secure purchases in apps, simply by placing your finger on your Touch ID to check out.”

Apple Pay is a contact payment technology, as well as a feature on the latest iPhones and Apple Watch. It pulls customer credit cards, debit cards and other sensitive-payment data from the Wallet app, enabling use of an iPhone 6, 6S, SE or Apple Watch as a wallet in a store or in app checkouts.

Apple Pay Works With:

  • iPhone 6 or iPhone 6 Plus and later

  • iPad Pro, iPad Air 2, or iPad mini 3 and later

  • Apple Watch (when paired with iPhone 5 or later)

Secure Technology

Apple stated that it does not save transaction information or card numbers on its servers, though recent purchases are kept in the Apple Wallet app.

Apple Pay, which has a tokenised backend infrastructure, makes card payments secure by creating a number or token that replaces card details. More specifically, it creates a Device Account Number for each one of a user’s cards.

According to Apple, the Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhones and Apple Watches, and when a payment is initiated the token is passed to the retailer or merchant. The retailer or merchant therefore never has direct access to customer card details.


  • Percentage of US credit cards that Apple Pay is available for: 90%

  • Increase in transactions on Apple Pay from 2015 to 2016: 500%

  • Number of small businesses that accept payments using Apple Pay: 2 million

  • Number of Apple Pay-friendly contactless payment terminals worldwide: 10 million

  • Store with largest percentage of Apple Pay users: Whole Foods

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