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Wallets · Available

Apple Pay

Apple Pay is Apple's wallet for a payer's cards: the card is stored on the device as a token, and a payment on an iPhone, iPad or Mac is confirmed with Face ID or Touch ID, in apps and on the web. For a checkout it is a card payment with the scheme's settlement, refunds and chargeback rules but without card entry, and the device's biometric check counts as strong customer authentication in Europe.

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Key facts

Countries
United Arab EmiratesArmeniaArgentinaBrazilCanadaChileColombiaGermanyEgyptSpainFranceUnited KingdomIndiaItalyKyrgyzstanKazakhstanMexicoNetherlandsPeruPolandSaudi ArabiaUnited StatesUzbekistanVietnam
Currencies
USD, EUR, GBP, PLN, CAD, BRL, MXN, ARS, CLP, COP, PEN, AED, SAR, EGP, INR, KZT, KGS, UZS, AMD, VND
Operations
Pay-in · Recurring · Refund
Settlement
T+1
Chargebacks
under the scheme rules

How a payment goes through

  1. 1The checkout opens the wallet app or shows its button
  2. 2The payer confirms in the app with a PIN or biometrics
  3. 3The wallet confirms the payment to the provider within seconds
  4. 4Webhook to the merchant; a refund goes back the same way

How a payment goes through

  1. The checkout shows the Apple Pay button on a supported device and browser.
  2. The payer confirms the amount with Face ID or Touch ID; the device sends a one-time token with a cryptogram.
  3. The acquirer decrypts the token and authorises the card payment in seconds.
  4. Tranzify writes the result and calls the merchant’s webhook.

Apple Pay against a card entered at checkout

Apple Pay Card entered at checkout
Launched 2014; on the web since 2016 —
Card data a device token; the merchant never sees the card number PAN in a PCI vault
Authentication Face ID or Touch ID on the device 3-D Secure where required
Settlement and chargebacks T+1 and scheme rules, as any card the same
Recurring yes, by a merchant token after the first payment yes
Payouts no push to card

Payouts and refunds

Refunds go back to the underlying card through the acquirer. Recurring charges use the token the acquirer issues after the first Apple Pay payment. Payouts are not part of Apple Pay; card payouts go over Visa and Mastercard.

Who uses it

E-commerce, delivery and digital goods on mobile, where one tap decides whether the payer completes the order; SaaS and travel as a second button beside cards.

How to connect

  1. 1Onboard with Tranzify and get your network, keys and back office.
  2. 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
  3. 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
  4. 4Go live. Every payment, callback and retry is in the journal for five years.

Providers offering this method

A Adyen 6 methods · GB, DE, NL, PL, FR, ES, IT, US, CA, AE On request C Checkout.com 4 methods · GB, FR, ES, US, AE On request M Mollie 5 methods · NL, DE On request S SmartFlow 5 methods · PL, TR, GB, DE Available S Stripe 4 methods · GB, DE, FR, ES, IT, US, CA, AE On request

Industries

E-commerce & retailSaaS & subscriptionsDigital goods & gamingTravel & mobilityDelivery & on-demand

Terms

Hosted checkoutNetwork tokenTokenisation

Frequently asked questions

Where does Apple Pay work in the catalogue?+
In the United Kingdom, Germany, France, Spain, Italy, the Netherlands, Poland, the United States, Canada, Brazil, Mexico, the UAE, Saudi Arabia, Türkiye and Kazakhstan, in nine currencies, through an acquirer licensed for the market; the payer’s card must be enrolled in Apple Pay by its issuer.
Does Apple Pay need 3-D Secure?+
No separate step: Face ID or Touch ID is the cardholder verification, and the token carries a cryptogram the issuer checks, so the acquirer treats it as an authenticated card payment.
Who is the licensed party?+
The acquirer from the catalogue — Adyen, Stripe, Checkout.com or SmartFlow — under the client’s own merchant agreement; Tranzify supplies the software, routes the payment, journals it and calls the webhook.

Related methods

GO Google Pay Wallets · 25 countries Available VI Visa Cards · 22 countries Available MA Mastercard Cards · 22 countries Available

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Payments in the CIS · 5 min read Payment methods in Kazakhstan in 2026: Kaspi Pay, cards and payouts What a checkout for Kazakh payers needs in 2026: Kaspi Pay first, cards and Apple Pay next, payouts through local providers, and how orchestration routes between them. TTTranzify team Payments in the Middle East · 5 min read Payment methods in Türkiye in 2026: Havale and FAST transfers, cards with instalments, and cascading What a checkout for Turkish payers needs in 2026: Havale and EFT bank transfers on the FAST rail, cards with instalments through local acquirers, wallets, and how a PSP cascades between SafePay, PusulaPays and card acquirers through an orchestration layer. TTTranzify team

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