Apple Pay

Overview

Apple Pay is a Wallet payment method, enabling users to make secure payments, authenticate and approve payments via their Apple Pay payment app.

It is a card payment using the token services provided by the card scheme. The transactions are authenticated with Touch ID or Face ID and uses the 3DS.

Supported card schemes:

• Visa
• Mastercard
• Dankort
• Maestro
• American Express

Functionalities

Pre-auth Apple Pay

Apple Pay supports Netaxept’s pre-auth functionality as described on this page. Please note that for Apple Pay the pre-authorization needs to be initialized using the Process API call. For details, see "Step 1: Initiating a pre-authorization payment" -> "2. Process Call" in this section.

Activation

To activate Apple Pay, you must:

1. Generate a CSR in Netaxept.
2. Create an Apple Pay certificate in Apple Developer.
3. Upload the certificate back to Netaxept.
4. Continue the setup in Apple Developer.

Part 1 - Generate the CSR in Netaxept

Step 1

• Go to Netaxept Admin --> Options --> Agreement --> Choose Apple Pay. Click "Add"

Step 2

1. Enter the Merchant ID and Domain (website address).
2. Click "Generate CSR". An agreement will be added and a merchant-specific CSR will be generated.

Step 3

• Click “Edit” on Apple Pay agreement.

Step 4

• Copy the CSR and insert it into a file that can be saved.

Part 2 - Create the Certificate in Apple Developer

Step 5

• Click "Identifiers" under the heading "Certificates, IDs & Profiles"

Step 6

1. Click on "App IDs"
2. Pick "Merchant IDs" from the list

Step 7

• Choose your Identifier from the list.

Step 8

• Click on "Create Certificate" Under the heading "Apple Pay Payment Processing Certificate"

Step 9

• Click on "Choose file" and upload the CSR File that you previously saved.

Step 10

Download the payment processing certificate.

Part 3 - Upload the Certificate to Netaxept

Step 11

Go back to Netaxept Admin and edit the agreement.

Step 12

Upload the certificate downloaded from Apple Developer in the PEM File section and click "Save".

Part 4 - Continue the Setup in Apple Developer

Step 13

Continue Apple Pay Configuration for Windows Devices

The Netaxept setup is now complete. To support Apple Pay payments on Windows devices, additional configuration is required in Apple's Developer Portal. Please follow Apple's official documentation and setup instructions to complete the implementation.

Access the Apple Developer Portal here: https://developer.apple.com/account

Example of the Apple Pay experience on Windows devices

Test your Apple Pay certificate and integration

After completing the activation process, you can use the Apple Pay Test Portal to test transactions and validate your Apple Pay integration.

Sharing Apple Pay agreement with your partners

To avoid the process of adding an agreement for each sub-merchant separately, you can automatically distribute your Apple Pay agreement to your selected sub-merchants by following below steps:

1. Click "Share" next to your Apple Pay agreement on the partner you have added the Apple Pay agreement.
2. Enter merchantID from which the agreement should be copied.
3. Upload a Comma Separated Value (CSV) file with merchantId and currencyCode (NNNNNN, CCC) to which the agreement should be distributed to.

Payment flow

Apple Pay is available in both test and production environments.

Test: https://test.epayment.nets.eu Production: https://epayment.nets.eu

High level sequence diagram

Register call

1. The paymentMethodActionList-parameter should specify Apple Pay
2. The parameter PaymentData should be added and contain the encrypted Payment Data from Apple Pay in Json: {"paymentData”: {"version":"EC_v1","data":"4………….}

https://epayment.nets.eu/Netaxept/Register.aspx?
merchantId=xxxxxx
&token=xxxxxx
&orderNumber=123456

Terminal call

Terminal call is skipped as payment data is already collected in the Register call.

Process call

Works as regular card payments, see Netaxept API.

Query Call

Query call works as on the normal case. Below is an example query response with ApplePay info within the Wallet tag.

<PaymentInfo xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
<MerchantId>MerchantId</MerchantId>
<QueryFinished>2017-10-25T07:00:56.0454551+02:00</QueryFinished>
<TransactionId>TransactionId</TransactionId>

If Payments fail with error code (99)

Make sure that you are not making any Terminal call. With Apple Pay you first make a Register call, and after that Process calls.

Test cards to use

When testing Apple Pay in Netaxept's test environment these test cards can be used: Netaxept Test Cards