Introduction

Apple Pay is a digital wallet service by Apple Inc. that enables secure and seamless payments across supported devices, like iPhone, iPad, and Mac. Apple Pay is integrated within the payment page to offer customers a fast and convenient payment experience.

User Experience

Apple Pay provides a seamless and intuitive payment experience for customers. When users check out:

1. They select the Apple Pay option at the payment page. 
2. Their device prompts them to authenticate using Face ID, Touch ID, or a device passcode. 
3. The payment details are securely transmitted to the merchant. 
4. Upon successful transaction processing, the user receives confirmation instantly.

The entire process is designed for speed, security, and ease of use, reducing checkout friction and increasing conversion rates. 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Requirements / Restrictions

– Transaction types supported: Payment, Pre-authorization, Installments, Refunds, Void.
– Schemes supported: Visa, Mastercard.
– Acquirers supported: Apple Pay transactions are being processed only through Worldline acquirer.

Important notice 1: Apple does not natively support iframe-based payment processing, so Apple Pay is not supported when an iframe is used to display the payment page.

Important notice 2: Tokenization is not supported through Apple Pay.

How to test

From the merchant’s/developer’s side: You need to activate Apple Pay in a newly created or already existing app in Sandbox, so as the respective Apple Pay button to appear in the payment page when the transaction is executed through a compatible device (iOS).

That test merchant number (MID) will also be automatically registered to Apple.

From the customer’s side: Use the below test account in your iOS device.

Test cards: If not already included in the Apple Pay wallet, you should add some of the below.

Scheme/Type	PAN	Exp. Date	CVC
Mastercard	5204245250460049	01/30	111
	5204245250522095	01/30	111
	5204245251107599	01/30	111
	5204245253050839	01/30	111
	5204245254718095	01/30	111
Visa Credit	4051069302200121	01/27	340
	4761229700150465	01/27	175
	4761209980011439	01/27	466
Visa Debit	4761120010000492	01/27	480
	4761349750010326	01/27	982
	4761262260004228	01/27	501
	4761369980320253	01/27	878
	4622943120054839	01/27	100
	4180620070230189	01/27	111
	4123400073320224	01/27	221

You can now choose the desired test card to complete the transaction.

Introduction

Google Pay™ is a digital wallet platform and online payment system that powers in-app, tap-to-pay, and website purchases. It allows users to make payments online from the web (supported on Google Chrome, Mozilla Firefox, Apple Safari, Microsoft Edge, Opera, and UCWeb UC browsers) and with Android phones, tablets and watches using any credit or debit card saved to their Google Account, including those from Google Play, YouTube, Chrome, or an Android device.

Some of the main benefits of offering Google Pay as a payment method are:

• A better way to pay: Google Pay™ is a faster, more secure way to pay on sites and in apps using payment methods saved to a Google Account
• Availability: Google Pay™ is accepted in millions of places around the world. It’s available on Android, iOS, and desktop, and you can use it in multiple browsers, including Chrome, Firefox, and Safari
• Increased conversions: Google Pay™ delivers frictionless checkout by eliminating the need to type billing and shipping details, increasing conversions by giving shoppers a better way to pay
• Increased security: Google Pay™ protects your payment information with multiple layers of security, including card network tokenization

User Experience 

Screenshots 

At the checkout, the customer selects the Google Pay™ button at the top of the screen:

The customer then signs into their Google account:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The customer selects their payment card before completing the payment:

 

 

 

 

 

 

 

 

 

 

 

 

 

Requirements / Restrictions

• Transaction types supported: Payment, Pre-authorization, Installments, Refunds, Void.
• Schemes supported: Visa, Mastercard.
• Google Pay™ transactions are being processed only through Worldline acquirer.

Important notice: Tokenization is not supported through Google Pay™.

SCA and PSD2

Google Pay™ supports both CRYPTOGRAM 3DS and PAN ONLY. Cryptogram 3DS, which is a tokenized solution, will always be preferred. Most issuers will accept this as being SCA, and hence not result in the need for completion of 3D-Secure.

In case a non-tokenized solution is used (PAN ONLY) or the issuer declines the transaction for missing SCA, Cardlink’s payment gateway will automatically continue with the 3DS flow to ensure the payment can succeed. 3DS flow is by default enabled to all merchants.

All merchants must adhere to the Google Pay APIs Acceptable Use Policy and accept the terms defined in the Google Pay API Terms of Service.

Google Pay is a trademark of Google LLC.

How to activate Google Pay™

All merchants are by default activated to accept payments for Google Pay™. There is no need for any extra steps or implementation in their end. The respective button appears in the hosted payment page and is ready for use by the customer.

Testing Google Pay™

In order to test Google Pay™ functionality in the demo environment, you need to visit URL https://groups.google.com/g/googlepay-test-mode-stub-data from your browser in order to gain access to the respective test cards.

After that, those test cards will be available at the Google Pay™ account when you execute a transaction.