Apple Pay payment flow
This diagram shows the flow for a successful transaction. Click to magnify.
sequenceDiagram
autonumber
participant C as Customer
participant Mu as MultiSafepay
participant A as Apple Pay
participant CS as Card scheme
participant Me as Merchant
C->>Mu: Selects Apple Pay at checkout
alt Redirect flow
Mu->>C: Redirects to payment page,
and then to Apple else Direct flow Mu->>C: Redirects to Apple end C->>A: Authorizes payment on an iOS device with Touch ID or Face ID alt Redirect integration A->>Mu: Sends token else Direct integration A->>Me: Sends the customer's payment details as an encrypted token Me->>Mu: Sends token end Mu->>CS: Decrypts token and processes payment Mu->>Me: Runs fraud filter and provides risk report Me->>Mu: Authorizes transaction CS->>Mu: Transfers funds Mu->>Me: Settles funds
and then to Apple else Direct flow Mu->>C: Redirects to Apple end C->>A: Authorizes payment on an iOS device with Touch ID or Face ID alt Redirect integration A->>Mu: Sends token else Direct integration A->>Me: Sends the customer's payment details as an encrypted token Me->>Mu: Sends token end Mu->>CS: Decrypts token and processes payment Mu->>Me: Runs fraud filter and provides risk report Me->>Mu: Authorizes transaction CS->>Mu: Transfers funds Mu->>Me: Settles funds
For more information about using Apple Pay, see Apple – How to use Apple Pay.
Payment statuses
About order and transaction statuses
Order status: Changes as the customer’s order with you progresses towards shipment (independent of payment)
Transaction status: Changes as the funds progress towards settlement in your MultiSafepay balance
For more information, see About MultiSafepay statuses.
| Payments | Order status | Transaction status |
|---|---|---|
| The customer has been redirected for 3D Secure authentication, or the card scheme is authorizing the transaction. | Initialized | Initialized |
| The card scheme authorized the transaction, but we’ve flagged it as potentially fraudulent. Review it and then manually capture or decline. |
Uncleared | Uncleared |
| MultiSafepay has collected payment. | Completed | Completed |
| Payment wasn’t captured manually or within 5 days. | Void | Void/Cancelled |
| The customer didn’t complete 3D Secure authentication. | Expired | Expired |
| The customer failed 3D Secure authentication or cancelled payment. See Declined credit card payments. |
Declined | Declined |
| Refunds | ||
| Refund initiated. | Reserved | Reserved |
| Refund complete. | Completed | Completed |
Feedback
Propose a change on GitHub
or
send an email to [email protected]
Other languages
For an explanation in another language, contact your account manager.