Apple Pay, How it works


How it works

Consumers input their credit card information into the Apple Pay app where it is digitized in the form of an encrypted token. Consumers can authorize payments by using either Touch ID or Face ID on a payment terminal. The tokenized data is encrpyted and sent to MultiSafepay where it is then decrypted and forwarded to the relevant payment scheme. MultiSafepay supports the Visa, Mastercard and Maestro payment schemes for Apple Pay.

MultiSafepay authorizes and validates the payment as a standard credit card transaction. Therefore, transaction statuses remain the same as that of a credit card transaction. Read more about standard credit card transactions on our documentation page.

Transaction Flow

The transaction flow shows the different ways a transaction can be processed. This differs per payment method.

  • Order status
    The order status indicates the status of the order, such as completed, pending or rejected. The order status is independent of the incoming or outgoing payment of the transaction.

  • Transaction status
    The transaction status indicates the payment status of the transaction, such as completed, pending or rejected. Once the transaction status is completed, the amount of the transaction is added to your MultiSafepay balance.

Apple Pay transactions received by MultiSafepay will be processed through our fraud filter. The following statuses are important when receiving an Apple Pay payment:

Order Status Transaction Status Description
Initialized Initialized A payment link has been generated to initialize an Apple Pay payment, but no payment has yet been received.
Completed Completed A successful Apple Pay transaction has been received and the funds will be added to your MultiSafepay Control balance.
Uncleared Uncleared Waiting for manual permission of the merchant to approve/disapprove the payment. Read more on accepting uncleared credit card payments, how and why?
Declined Declined Transaction has been rejected. Read more on the ‘declined’ status. What does this mean?
Expired Expired An unfinished transaction will automatically expire after a predefined period.
Void Void Transaction has been cancelled.

Refund flow

Order Status Transaction Status Description
Reserved Reserved A refund has been requested.
Completed Completed Refund has been successfully processed.
Chargeback Completed Forced reversal of funds initiated by customer’s bank (issuer). Only applicable to Direct Debit and credit card payments. Information on how to proceed when receiving a chargeback

Read more about Apple Pay on our API reference page.

Product Rules

The product rules for Apple Pay remain similar to those of the product rules from credit card payments. This is due to the nature of the transaction being a typical credit card payment, although through the Apple Pay gateway:

  • American Express is currently not supported for Apple Pay payments

  • Refunding more than the stated amount of the original transaction is not possible for Apple Pay. More information is available on our refund more than original amount page

  • Visa, Mastercard and Maestro (Apple Pay) transactions have a maximum refund period. All cards on Apple Pay records can be refunded within 180 days. After this period, it is advised to process the requested refund through a bank transfer

  • The lifetime of a payment link can be adjusted. This might be beneficial for your inventory. The adjustment can be processed through the days or seconds active. Full documentation can be found on our lifetime of a payment link FAQ page

  • Mastercard, Visa and Maestro (Apple Pay) can be processed in the following currencies as standard currency