On This Page 
    Merchant Decryption
    For merchant decryption, you (the merchant or the integrator)
            manage all aspects of the Apple Pay implementation,
            from generation of the payment encryption keys to 
            decryption of the payment response payload from Apple Pay.
            As a merchant, you submit the Apple Pay payment token and
            other payment information to
            
VDC NAB
            for processing.
            With merchant decryption,
            payment instrument details remain visible to you, and
            you control the technical development that decrypts this information.