REST API | Visa Platform Connect

Flow of Apple Pay In-App Transactions Processed Using Merchant Decryption

This diagram illustrates the flow of in-app transaction processing using merchant decryption.

Figure:

In-App Transaction Processing with Merchant Decryption
In-App Processing with 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 to decrypt. For information on decryption, see the Payment Token Format Reference article in the Apple Pay Developer Documentation.
  4. Using the
    National Australia Bank
    API, you submit the authorization request and include the decrypted payment data.
  5. National Australia Bank
    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.