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Apple Pay Developer - How to Build an Apple Pay Mobile Wallet

Blog Post created by awind@vantiv on May 31, 2018

Why develop an Apple Pay mobile wallet?

Help unlock more conversions for your customers by understanding the statistics behind the Apple Pay mobile wallet.  While mobile wallet adoption has lagged in the US when compared to global trends, the room for growth in digital wallet use are undeniable.  For Apple Pay developers,  here are just a few statistics every developer should know when making a case for integrating to Apple Pay.

  • Eighty percent of Americans have never used a contactless payment system, compared to approximately 80% of Australians and Brits who do.
  • By 2020, over 60 million users are expected to use mobile wallets in the United States.
  • Mobile payment activity in China was nearly 50 times greater than in the U.S. in 2016, and the number of Chinese mobile payments is expected to multiply by 7.4 times by 2019.
  • Europeans ages 55-64 comprise the group with the fastest growth rate for mobile banking adoption.
  • Nearly 30% of iPhone users have setup and used Apple Pay at least once.

 

iphone-30-percent-installed-applepay

 

The reasons for implementing with Apple Pay

For Apple Pay development, how you implement an Apple Pay mobile wallet is critical to building a robust payment process. Reducing friction in the payments funnel  helps customer satisfaction, which increases customer engagement and reduces cart abandonment by  shoppers. Proper development work translates into higher revenue potential and lifetime customer value. So code wisely for your customer needs.

 

For users, Apple Pay provides an easy and secure way to buy goods, services, and make donations in an iOS app or on a website. Users can authorize payments using Face ID or Touch ID to release tokenized credit and debit card payment credentials that are securely stored on their device.

 

eCommerce and mobile commerce are the fastest growing segments in payments, but 68% of visitors abandon a site or app because there are too many steps. Digital wallets are a key component in helping simplify the transmission of payment and customer credentials and securely transacting in a digital commerce environment. Mobile wallets like Apple Pay help optimize your experience for in-app, web and mobile web environments.

 

digital wallet drivers shopping cart abandonment

 

Developer’s playbook to getting started with Apple Pay

 The video provides a primer every developer should understand when beginning the process of coding an Apple Pay mobile wallet.  Get your development team set-up for success by following these easy steps...

 

 

 

Get started with Apple Pay:  mobile wallet first steps for all Apple Pay Developers

Apple offers resources to help you get started quickly.

 

Getting started with Worldpay:  mobile wallet next steps

If you are already integrated to Worldpay, work with your Relationship Manager to get set up with a Worldpay Integration Consultant.

  1. The consultant will be able to provide you with test credentials for Worldpay’s test environments and provide additional insight and requirements for the integration.
  2. Worldpay offers different test environments including a sandbox, pre-live and post-live environment.
  3. You can learn more about these environments in Certification and Testing Environments.
  4. To get started with testing - Apple provides test cards you can load into an Apple Pay Wallet for testing. 
  5. Please see this page for reference: - Apple Pay Sandbox Testing - Support - Apple Developer
  6. Gather your Test Credentials in order to test your digital wallet in a pre-live environment.
  7. Decide on your decrypt.
    • Worldpay offers multiple integration approaches which can help simplify your integration and meet your business needs. A Worldpay expert can help you decide on the most logical solution. Learn more about the integrations listed below on Vantiv ONE’s Apple Pay Community Page.

      • Vantiv eProtect – helps simplify integrations and reduces PCI scope.
      • LitleXML – Vantiv, now Worldpay responsible for token and processing.
      • Merchant Decrypt—Merchant decrypts token and processes payment.
  8. Download this Vantiv eCommerce Apple Pay solution document for review.
  9. Engage with the Experts, and feel free to ask any questions in the Vantiv ONE Q&A.

 

Download our digital wallet infographic

Whichever solution you choose in your Apple Pay mobile wallet implementation, make sure your digital wallet is primed for engagement, integration flexibility and future evolution.

 

digital wallet values 

 

For more information on Apple Pay:

Apple Pay integration matrix - Find your Apple Pay integration method with our mobile wallet matrix.

Apple Pay on Vantiv - Why one-size does not fit all developer needs.

Mobile & Digital Wallets - A primer for non-developers.

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