REST API | Visa Platform Connect

Flow of Apple Pay In-App Transactions Processed Using
National Australia Bank
Decryption

This diagram illustrates the flow of in-app transaction processing using
National Australia Bank
decryption.

Figure:

In-App Transaction Processing with
National Australia Bank
Decryption
In-App Processing with non-Merchant Decryption
  1. When the customer chooses to pay with Apple Pay, you use the Apple PassKit Framework to request the encrypted payment data from Apple.
  2. Apple uses the Secure Element to create a
    payment token
    and encrypt the token’s
    payment data
    before it sends your application.
    • The payment token is the
      PKPaymentToken
      structure.
    • The payment data is the
      paymentData
      field of the
      PKPaymentToken
      structure.
  3. You forward the encrypted payment data to your order management system.
  4. Using the
    National Australia Bank
    API, you submit the authorization request. In the
    paymentInformation.fluidData.value
    field, include the Base64-encoded value obtained from the
    paymentData
    field of the
    PKPaymentToken
    structure.
  5. National Australia Bank
    decrypts the payment data and forwards the information to the payment network, which includes your processor and the relevant payment card company.
    IMPORTANT
    You must use the
    Gateway Portal
    or one of the
    National Australia Bank
    API services to capture, credit, or void the authorization.