{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-products/card-payments/sidebars.yaml","current-catalog-info":"current-catalog-info-/products/card-payments/openapi"},"props":{"metadata":{"markdoc":{"tagList":["admonition","code-snippet","tabs","tab"]},"type":"markdown"},"seo":{"title":"Apple Pay","description":"Worldpay for Developers - docs, code examples, resources and tools. Everything you need to build your omnichannel payment solution.","siteUrl":"https://docs.worldpay.com/access","image":"/access/assets/worldpay-logo-light.21b7daf79984773a9fcd7d4fbcb07ae5289dfffd6023c4c3dca720c7058e53dc.33f780a6.svg","keywords":"documentation, api, openapi, sdks, developer, payments, json, payouts, 3ds","jsonLd":{"@context":"https://schema.org","@type":"Organization","url":"https://docs.worldpay.com/access","name":"Worldpay"},"meta":[{"name":"google-site-verification","content":"zjziIKaP3ImsqsfhYnEBnq1R85UabiSwl7HTXuwtZuo"},{"name":"doc_product","content":"Access"},{"name":"doc_category","content":"Documentation"}],"llmstxt":{"hide":false,"sections":[{"title":"Payments API","description":"Payment orchestration API combining fraud assessment, 3ds authentication, SCA exemptions, Worldpay Token creation and a card or wallet based payment.","includeFiles":["products/payments/@20240601/**/*"],"excludeFiles":[]},{"title":"Payment Queries API","description":"Querying your payments data, based on a variety of parameters.","includeFiles":["products/payment-queries/@v1/**/*"],"excludeFiles":[]},{"title":"Card BIN Data API","description":"Provides detailed information about a card.","includeFiles":["products/card-bin/@v1/**/*"],"excludeFiles":[]},{"title":"3DS Authentication API","description":"Request 3DS authentication to protect against fraud, be SCA compliant and to shift liability using this standalone API.","includeFiles":["products/3ds/@v3/**/*"],"excludeFiles":[]},{"title":"FraudSight API","description":"Request a risk assessment and receive a response with an outcome (e.g. lowRisk) using this standalone API.","includeFiles":["products/fraudsight/@v1/**/*"],"excludeFiles":[]},{"title":"Checkout SDK","description":"Integrate using our clientside SDKs for both web and native devices. Benefit from SAQ-A/PCI-SSF compliance.","includeFiles":["products/checkout/web/@v2/**/*","products/checkout/ios/@v4/**/*","products/checkout/android/@v4/**/*","products/checkout/react-native/@v3/**/*","products/checkout/flutter/@v1/**/*"],"excludeFiles":[]},{"title":"Tokens API","description":"Minimizes the exposure of sensitive card details and increases the security of your customer's card details.","includeFiles":["products/tokens/@v3/**/*"],"excludeFiles":[]},{"title":"Card Payments API","description":"Request a card payment using this standalone API, requires separate requests for 3DS, Fraud assessment etc.","includeFiles":["products/card-payments/@v7/**/*"],"excludeFiles":[]},{"title":"Card Verifications API","description":"Verify your customer's card to maximize your authentication rates.","includeFiles":["products/card-verifications/@v6/**/*"],"excludeFiles":[]},{"title":"Account Payouts API","description":"Send funds to your customer's bank accounts and search for payouts using parameters.","includeFiles":["products/account-payouts/@20250101/**/*"],"excludeFiles":[]},{"title":"APMs","description":"Pay using eWallets, bank transfers, direct debits, local card schemes, Postpay and eInvoice/ Buy Now Pay Later.","includeFiles":["products/apms/@20240701/**/*"],"excludeFiles":[]},{"title":"Balance API","description":"Request your account details for a single account or all accounts under an entity.","includeFiles":["products/balance/@20250101/**/*"],"excludeFiles":[]},{"title":"Card Payouts API","description":"Send funds to your customer's cards.","includeFiles":["products/card-payouts/@v4/**/*"],"excludeFiles":[]},{"title":"Events (Webhooks)","description":"Receive status updates from Access Worldpay by setting up a webhook.","includeFiles":["products/events/@v1/**/*"],"excludeFiles":[]},{"title":"FX API","description":"Manage Foreign Exchange (FX) on your payments.","includeFiles":["products/fx/@v1/**/*"],"excludeFiles":[]},{"title":"Hosted Payment Pages (HPP) API","description":"Our low-code option to take payments securely at the lowest PCI compliance level - SAQ A.","includeFiles":["products/hosted-payment-pages/@v1/**/*"],"excludeFiles":[]},{"title":"Money Transfers API","description":"Money Transfer OCTs (Original Credit Transaction) allow funds to be pushed to an eligible card in 30 minutes or less.","includeFiles":["products/money-transfers/@v1/**/*"],"excludeFiles":[]},{"title":"Parties API","description":"Create parties, manage your payout instruments and beneficial owners and carry out identity verification checks.","includeFiles":["products/parties/@20250101/**/*"],"excludeFiles":[]},{"title":"SCA Exemptions API","description":"Maximize a frictionless checkout experience by using issuer data insights to apply exemptions.","includeFiles":["products/sca-exemptions/@v1/**/*"],"excludeFiles":[]},{"title":"Split Payments API","description":"Divide funds from a single payment amongst yourself and your parties/sellers.","includeFiles":["products/split-payments/@20250625/**/*"],"excludeFiles":[]},{"title":"Statements API","description":"Retrieve your account statement and see individual entries for all credits and debits.","includeFiles":["products/statements/@20250101/**/*"],"excludeFiles":[]},{"title":"Transfers API","description":"Transfer funds from source account to target account.","includeFiles":["products/transfers/@20250101/**/*"],"excludeFiles":[]},{"title":"Verified Tokens API","description":"Verified Tokens ensures that your customer's payment details are valid and CIT compliant when creating a token.","includeFiles":["products/verified-tokens/@v3/**/*"],"excludeFiles":[]}],"excludeFiles":[]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"apple-pay","__idx":0},"children":["Apple Pay"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Add ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"https://developer.apple.com/apple-pay/"},"children":["Apple Pay"]}," to iOS apps, watchOS apps and to websites for ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"https://www.apple.com/ios/feature-availability/#apple-pay"},"children":["these supported countries"]},"."]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"info","name":"Important"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Mastercard, Visa, Amex and Discover branded Apple Pay payments receive liability shift."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"get-started","__idx":1},"children":["Get started"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Read through ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"https://developer.apple.com/apple-pay/implementation/"},"children":["Apple's overview"]},"."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Create an Apple Merchant ID."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Ask your Worldpay Implementation Manager to enable Apple Pay."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Get your Certificate Signing Request (CSR) from Worldpay."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Get your payment processing certificate from Apple using the CSR provided by Worldpay."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"enable","__idx":2},"children":["Enable ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"https://developer.apple.com/documentation/passkit/apple_pay/"},"children":["Apple Pay in-app"]}]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Enable Apple Pay in Xcode."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Set ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["merchantCapabilities"]}]}," to ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["PKMerchantCapability3DS"]}]},", as Worldpay only supports 3DS."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"enable-1","__idx":3},"children":["Enable ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"https://developer.apple.com/documentation/apple_pay_on_the_web"},"children":["Apple Pay on the web"]}]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Register and verify any domains that will host Apple Pay."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Create a merchant identity certificate. This is used to establish a secure connection between your servers and Apple's servers."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Set ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["merchantCapabilities"]}]}," to ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["PKMerchantCapability3DS"]}]},", as Worldpay only supports 3DS."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"apple-pay-payment-request","__idx":4},"children":["Apple Pay payment request"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Use our ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/openapi/other/authorize"},"children":["Customer Initiated Transactions endpoint"]}," to take Apple Pay payments."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["POST"]}," ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["https://try.access.worldpay.com/cardPayments/customerInitiatedTransactions"]}]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"file":"./code/authorization-request-apple-pay.json","language":"json","header":{"controls":{"copy":{}}},"lang":"json","source":"{\n    \"transactionReference\": \"Memory265-13/08/1876\",\n    \"merchant\": {\n        \"entity\": \"default\"\n    },\n    \"instruction\": {\n        \"requestAutoSettlement\": {\n            \"enabled\": false\n        },\n        \"narrative\": {\n            \"line1\": \"Mind Palace\"\n        },\n        \"value\": {\n            \"currency\": \"GBP\",\n            \"amount\": 250\n        },\n        \"paymentInstrument\": {\n            \"type\": \"card/wallet+applepay\",\n            \"walletToken\": \"{\\\"version\\\": \\\"EC_v1\\\",\\\"data\\\": \\\"kdHd..GQ==\\\",\\\"signature\\\": \\\"MIAGCSqGSIb3DQEH...AAA\\\",\\\"header\\\": {\\\"transactionId\\\": \\\"d3b28af..f8\\\",\\\"ephemeralPublicKey\\\": \\\"MFkwE..Q==\\\",\\\"publicKeyHash\\\": \\\"dxCK..6o=\\\" }}\"\n        }\n    },\n    \"channel\": \"ecom\"\n}"},"children":[]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["paymentInstrument.walletToken"]}," is taken from ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["payment.paymentToken.paymentData"]}," in the Apple Pay ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"https://developer.apple.com/documentation/apple_pay_on_the_web/payment_request_api"},"children":["payment request"]},"."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["For more information on taking an Apple Pay payment, take a look at our ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/authorize-a-payment"},"children":["Card Payments API documentation"]},"."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"use-apple-pay-to-set-up-and-take-repeat-payments","__idx":5},"children":["Use Apple Pay to set up and take repeat payments"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Your customer can use Apple Pay to set up repeat payments (such as subscriptions). In those cases, make sure to include the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["recurringPaymentRequest"]}," modifier in your Apple Pay ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"https://developer.apple.com/documentation/apple_pay_on_the_web/payment_request_api"},"children":["payment request"]},". This allows you to include additional information within the Apple Pay form relating to the payment agreement you are making with your customer, such as terms and conditions and billing frequency."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Now, include the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["customerAgreement"]}," object in your ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/openapi/other/authorize"},"children":["Customer Initiated Transactions"]}," Apple Pay request:"]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"header":{"controls":{"copy":{}}},"source":"{\n...\n  \"instruction\": {\n    ...\n    \"customerAgreement\": {\n      \"type\": \"subscription\",\n      \"storedCardUsage\": \"first\"\n    }\n  }\n}\n"},"children":[]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["We convert the Apple Pay encrypted payload into a Worldpay Token, which will be returned to you in the response to the above request. Use that token to request subsequent recurring ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/openapi/other/recurring"},"children":["Merchant Initiated Transactions"]},"."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"apple-pay-merchant-tokens-mpan","__idx":6},"children":["Apple Pay Merchant Tokens (MPAN)"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When you use the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["recurringPaymentRequest"]}," property, Apple issues a ",{"$$mdtype":"Tag","name":"b","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"https://developer.apple.com/apple-pay/merchant-tokens/"},"children":["merchant token"]}]}," (sometimes referred to as a Merchant PAN or MPAN)."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Merchant tokens are specific to the ",{"$$mdtype":"Tag","name":"b","attributes":{},"children":["merchant"]},", rather than to a particular iOS ",{"$$mdtype":"Tag","name":"b","attributes":{},"children":["device"]},", meaning that they remain valid even if your customer upgrades their iOS device and removes the card from their Apple wallet on their old device."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["There are no changes to the format of the Apple Pay payment token that you submit to Worldpay."]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"info"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["If the card brand does not support merchant-scoped tokens, Apple issues a regular device-specific token for the payment request."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"apple-pay-payment-response","__idx":7},"children":["Apple Pay payment response"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"successful-payment","__idx":8},"children":["Successful payment"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You receive:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["an HTTP code ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["201"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["an ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["\"outcome\": \"authorized\""]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["paymentInstrument"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["links to ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/manage-payments#cancel-an-authorization"},"children":["cancel"]},", ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/manage-payments#settle-an-authorization"},"children":["settle"]},", ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/manage-payments#partially-settle-an-authorization"},"children":["partially settle"]}," or ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/query-a-payment"},"children":["query"]}]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"refused-payment","__idx":9},"children":["Refused payment"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You receive:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["an ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["\"outcome\": \"refused\""]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["a ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/reference/refusal-response"},"children":["refusal code"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["description"]}," that gives additional context on the refusal"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["paymentInstrument"]}]}]},{"$$mdtype":"Tag","name":"Tabs","attributes":{"size":"medium"},"children":[{"$$mdtype":"Tag","name":"div","attributes":{"label":"Successful","disable":false},"children":[{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"file":"./code/authorization-response-wallets.json","language":"json","header":{"controls":{"copy":{}}},"lang":"json","source":"{\n    \"outcome\": \"authorized\",\n    \"riskFactors\": [{\n            \"risk\": \"notChecked\",\n            \"detail\": \"postcode\",\n            \"type\": \"avs\"\n        },\n        {\n            \"risk\": \"notChecked\",\n            \"detail\": \"address\",\n            \"type\": \"avs\"\n        }\n    ],\n    \"scheme\": {\n        \"reference\": \"schemeReference\"\n    },\n    \"paymentInstrument\": {\n        \"type\": \"card/network+masked\",\n        \"cardBin\": \"444433\",\n        \"lastFour\": \"1111\",\n        \"tokenNumber\": \"444433******1111\",\n        \"countryCode\": \"GB\",\n        \"expiryDate\": {\n            \"month\": 2,\n            \"year\": 2028\n        },\n        \"cardBrand\": \"visa\",\n        \"fundingType\": \"debit\",\n        \"category\": \"consumer\",\n        \"issuerName\": \"VALID_ISSUER\",\n        \"paymentAccountReference\": \"somePAR\"\n    },\n    \"_links\": {\n        \"cardPayments:cancel\": {\n            \"href\": \"https://try.access.worldpay.com/payments/authorizations/cancellations/eyJrIjoiazUyOTVhMSIsImxpbmtWZXJzaW9uIjoiMy4wLjAifQ==.7uyuNo1ShOgM5rTwStg86LXzb0a2wdLW1lwX:DIQ2Ecrp4gw65VLnHmjsAVqzpa2NcwixaBb2p8R2x5NPXdRpybJ2ndKlbkNOc9gj+ruN20iaTdYqv2FNgB3ZAw3g+yyUMUlQDFD8DU++ZswXpUQe8YTBHmTP8zHQUXrSORn9IaI6kzJnMu2HWwEJOqKnWLvRCMy:fr4ptatJJrmRVON8WTjisJL:sd3TJ9uDcO:gD+q+Q01y++Mzop0k8y3bDcnNBpsG:8xf4uKGGYO3EcAWA==\"\n        },\n        \"cardPayments:settle\": {\n            \"href\": \"https://try.access.worldpay.com/payments/settlements/full/eyJrIjoiazUyOTVhMSIsImxpbmtWZXJzaW9uIjoiMy4wLjAifQ==.7uyuNo1ShOgM5rTwStg86LXzb0a2wdLW1lwX:DIQ2Ecrp4gw65VLnHmjsAVqzpa2NcwixaBb2p8R2x5NPXdRpybJ2ndKlbkNOc9gj+ruN20iaTdYqv2FNgB3ZAw3g+yyUMUlQDFD8DU++ZswXpUQe8YTBHmTP8zHQUXrSORn9IaI6kzJnMu2HWwEJOqKnWLvRCMy:fr4ptatJJrmRVON8WTjisJL:sd3TJ9uDcO:gD+q+Q01y++Mzop0k8y3bDcnNBpsG:8xf4uKGGYO3EcAWA==\"\n        },\n        \"cardPayments:partialSettle\": {\n            \"href\": \"https://try.access.worldpay.com/payments/settlements/partials/eyJrIjoiazUyOTVhMSIsImxpbmtWZXJzaW9uIjoiMy4wLjAifQ==.7uyuNo1ShOgM5rTwStg86LXzb0a2wdLW1lwX:DIQ2Ecrp4gw65VLnHmjsAVqzpa2NcwixaBb2p8R2x5NPXdRpybJ2ndKlbkNOc9gj+ruN20iaTdYqv2FNgB3ZAw3g+yyUMUlQDFD8DU++ZswXpUQe8YTBHmTP8zHQUXrSORn9IaI6kzJnMu2HWwEJOqKnWLvRCMy:fr4ptatJJrmRVON8WTjisJL:sd3TJ9uDcO:gD+q+Q01y++Mzop0k8y3bDcnNBpsG:8xf4uKGGYO3EcAWA==\"\n        },\n        \"cardPayments:events\": {\n            \"href\": \"https://try.access.worldpay.com/payments/events/eyJrIjoiazUyOTVhMSIsImxpbmtWZXJzaW9uIjoiMy4wLjAifQ==.7uyuNo1ShOgM5rTwStg86LXzb0a2wdLW1lwX:DIQ2Ecrp4gw65VLnHmjsAVqzpa2NcwixaBb2p8R2x5NPXdRpybJ2ndKlbkNOc9gj+ruN20iaTdYqv2FNgB3ZAw3g+yyUMUlQDFD8DU++ZswXpUQe8YTBHmTP8zHQUXrSORn9IaI6kzJnMu2HWwEJOqKnWLvRCMy:fr4ptatJJrmRVON8WTjisJL:sd3TJ9uDcO:gD+q+Q01y++Mzop0k8y3bDcnNBpsG:8xf4uKGGYO3EcAWA==\"\n        },\n        \"tokens:token\": {\n            \"href\": \"https://access.worldpay.com/tokens/linkData\"\n        },\n        \"curies\": [{\n            \"name\": \"cardPayments\",\n            \"href\": \"https://try.access.worldpay.com/rels/payments/{rel}\",\n            \"templated\": true\n        }]\n    }\n}"},"children":[]}]},{"$$mdtype":"Tag","name":"div","attributes":{"label":"Refused","disable":false},"children":[{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"file":"./code/authorization-response-refused-wallets.json","language":"json","header":{"controls":{"copy":{}}},"lang":"json","source":"{\n    \"outcome\": \"refused\",\n    \"description\": \"Do not honor\",\n    \"refusalCode\": \"83\",\n    \"refusalDescription\": \"Fraud/Security related reasons\",\n    \"riskFactors\": [{\n            \"risk\": \"notChecked\",\n            \"detail\": \"postcode\",\n            \"type\": \"avs\"\n        },\n        {\n            \"risk\": \"notChecked\",\n            \"detail\": \"address\",\n            \"type\": \"avs\"\n        }\n    ],\n    \"paymentInstrument\": {\n        \"type\": \"card/network+masked\",\n        \"cardBin\": \"444433\",\n        \"lastFour\": \"1111\",\n        \"tokenNumber\": \"444433******1111\",\n        \"countryCode\": \"GB\",\n        \"expiryDate\": {\n            \"month\": 2,\n            \"year\": 2028\n        },\n        \"cardBrand\": \"visa\",\n        \"fundingType\": \"debit\",\n        \"category\": \"consumer\",\n        \"issuerName\": \"VALID_ISSUER\",\n        \"paymentAccountReference\": \"somePAR\"\n    }\n}\n"},"children":[]}]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["paymentInstrument"]}," includes ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["cardBrand"]},", ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["fundingType"]}," and ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["paymentAccountReference"]},". They can have the following values:"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["brand"]}]},":",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["visa"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["visaElectron"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["mastercard"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["maestro"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["amex"]}]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["fundingType"]}]},":",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["debit"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["credit"]}]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["paymentAccountReference"]}]}," (PAR): The Payment Account Reference is a unique identifier associated with a specific cardholder PAN. This 29 character identification number can be used in place of sensitive customer identification fields. It can be transmitted across the payments ecosystem to facilitate customer identification."]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You can use the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["payments:settle"]}," action link to ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/manage-payments#settle-an-authorization"},"children":["settle the payment"]}," straight away. Alternatively, you can cache the response and use the link to settle the payment later."]}]},"headings":[{"value":"Apple Pay","id":"apple-pay","depth":1},{"value":"Get started","id":"get-started","depth":2},{"value":"Enable","id":"enable","depth":3},{"value":"Enable","id":"enable-1","depth":3},{"value":"Apple Pay payment request","id":"apple-pay-payment-request","depth":2},{"value":"Use Apple Pay to set up and take repeat payments","id":"use-apple-pay-to-set-up-and-take-repeat-payments","depth":2},{"value":"Apple Pay Merchant Tokens (MPAN)","id":"apple-pay-merchant-tokens-mpan","depth":3},{"value":"Apple Pay payment response","id":"apple-pay-payment-response","depth":2},{"value":"Successful payment","id":"successful-payment","depth":3},{"value":"Refused payment","id":"refused-payment","depth":3}],"frontmatter":{"seo":{"title":"Apple Pay"}},"lastModified":"2026-05-13T09:33:58.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/products/wallets/applepay","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}