Apple Pay allows you to use your Authorize.Net account to securely accept and process in-app and web payments from customers with the iPhone 6 or newer models. Apple Pay uses the Visa Token Service and similar tokenization solutions developed by MasterCard and American Express.

When a customer checks out in your app or on the web, Apple Pay will tokenize the credit card information from Apple and use that token for the transaction. This means your customer doesn’t have to enter their credit card information, because Apple Pay will pass the tokenized card information to Authorize.Net.

There is no additional fee to use Apple Pay. It is included with your Authorize.Net account.

  1. Apple Pay is a tokenized payment solution that replaces sensitive payment information with a digital account number or "token," which is passed in place of the actual card number, helping to make payments more secure.
  2. Provides a fast, secure purchase experience - eliminates the need to enter credit card information during checkout.
  3. Opens your business to the millions of Apple users using an iPhone 6 or newer models.
  4. As an Authorize.Net merchant, you get unified reporting from all your transactions—online, mobile, in-app and more.

No, there are some criteria that must be met to use Apple Pay.

  • Currently only available to U.S.-based merchants who process in U.S. dollars.
  • Only available to businesses offering physical goods or services for use outside their iOS app. If the goods or services are used in the app itself, then you must still use Apple for your in-app payments.
  • Only processors that support the Visa Token Service and the tokenization solutions developed by MasterCard and American Express can use Apple Pay. Below is a list of the processors supported by Authorize.Net (we plan on adding additional processors in the future).
  • Chase Paymentech
  • Global Payments
  • TSYS
  • FDC Nashville

Currently, Chase Paymentech, Global Payments, TSYS and FDC Nashville are supported by Authorize.Net for Apple Pay.

  1. Log into the Merchant Interface at https://account.authorize.net.
  2. Click Account from the main toolbar.
  3. Click Merchant Profile from the menu on the left.
  4. Under the Payment Methods section, the Processor name will be listed.

Yes. After enabling Apple Pay in the Merchant Interface (see How do I sign up for Apple Pay?), there is development work required. Please refer to our Developer Center for the appropriate documentation.

Here are two steps required to sign up for Apple Pay with Authorize.Net.

  • You must enable the service in the Merchant Interface.
  • You must generate a CSR file to upload to Apple.

Enabling Apple Pay in the Merchant Interface

  1. An Account Owner must log into the Merchant Interface at
    https://account.authorize.net.
  2. Click Account from the main toolbar.
  3. Click Digital Payment Solutions from the menu on the left.
  4. Click Sign Up in the Apple Pay section.
  5. The account must meet the requirements for signing up:
  • API Login ID and Transaction Key must have been generated (If you or your developer don't remember your Transaction Key, you must generate a new one. If you do generate a new Transaction Key, be sure to update the rest of your solutions with the new ID.)
  • Processor must be supported (Chase Paymentech, Global Payments, TSYS and FDC Nashville are currently supported.)

Enter the Apple Merchant ID that you or your developer obtains in the "Certificates, Identifiers, & Profiles" area of the Member Center at Apple.

Generating the CSR File

A Certificate Signing Request (CSR) file must be submitted to Apple to receive a necessary payment entitlement certificate.

To generate the CSR file:

  1. Log into the Merchant Interface at https://account.authorize.net.
  2. Click Account from the main toolbar.
  3. Click Digital Payment Solutions from the menu on the left.
  4. Click Apple Pay.
  5. Enter your Apple Merchant ID in the field provided.
  6. Click the Generate Apple Input File button.

Submitting the CSR File to Apple

Submit the CSR file to Apple to get the required payment entitlement certificate. For more information, see the Getting Started with Apple Pay on the Authorize.Net Platform guide.