Overview of Apple Pay Operation

Document created by gjsissons on Jul 25, 2016Last modified by gjsissons on Jul 26, 2016
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The operation of Apple Pay on the iPhone 6 is relatively simple, but will require either the development of new native iOS applications or the modification of your existing applications that include the use of the Apple PassKit Framework and the handling of the encrypted data returned to your application by Apple Pay. The basic steps that occur when a consumer initiates an Apple Pay purchase using your mobile application are:


  • When the consumer selects the Apple Pay option from your application, your application makes use of the Apple PassKit Framework to request payment data from Apple Pay.
  • When Apple Pay receives the call from your application and after the consumer approves the Payment Sheet (using Touch ID), Apple creates a PKPaymentToken using your public key. Included in the PKPaymentToken is a network (Visa, MasterCard, or American Express) payment token and a cryptogram.
  • Apple Pay returns the Apple PKPaymentToken (defined in Apple documentation; please refer to https://developer.apple.com/library/ios/documentation/PassKit/Reference/PaymentTokenJSON/PaymentToke nJSON.html) to your application.


The remainder of this document discusses the various options for handling the PKPaymentToken in the transaction flow.


Next: Vantiv Decryption of Apple Pay PKPayment Token


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