Integrating Apple Pay in a PSP

For a PSP it is important to offer a comprehensive set of payment methods, so that your merchants are in a position where they can offer all important payment methods to their consumers.

As Apple Pay becomes a popular online payment method - it's importance as an in-store payment method was established for years - it is important to offer it in webshops.

Ximedes developed a microservice that easily integrates in your IT-landscape and enables PSPs to offer Apple Pay for webshops. Ximedes already successfully integrated Apple Pay into Rabobank’s Smart Pay platform. 

Online Apple Pay 

When shopping online consumers proceed to the page checkout, where they are presented with a list of payment options, including Apple Pay. After selecting Apple Pay, they can choose a card stored in their Apple Wallet and confirm the transaction. From the consumer's perspective, the payment is completed instantly without the need for additional authorization. This streamlined experience ensures a fast, secure, and hassle-free checkout process.

Ximedes’ back-office system

To facilitate this integration, Ximedes developed a back-office system with a microservice designed to handle the complexities of Apple Pay transactions. The process works as follows:

1. When the consumer selects Apple Pay on the payment page, an Apple Pay session is initiated by invoking the Apple Pay JavaScript SDK and communicating with Apple’s services.
2. While the consumer selects their card from the Apple Wallet, the service remains in standby mode, waiting to receive the payment data from Apple through the consumer's browser.
3. Once the consumer makes their selection, the microservice receives the encrypted payment data.
4. Using a corresponding private key, the microservice decrypts this data to prepare it for the card processor.
5. The payment data is then sent to the card processor, ensuring that the payment is marked as a wallet payment.
6. From this point, the transaction is handled by existing systems, ensuring that the payment amount is settled with the merchant.

By implementing this integration, Ximedes not only enhances the payment process for consumers but also ensures that transactions are secure and efficient, meeting the growing demand for advanced payment solutions.

Apple Pay at your PSP

If you’re interested in adding Apple Pay to your arsenal of payment methodes, contact us via the button below. We can help you do it fast and integration to your existing systems will be minimal and well-defined.