Apple Pay decrypted

Take a payment or make a payout with Apple Pay decrypted.

Take a payment

To send a payment request with a decrypted payload, you must follow the instructions on Apple Pay's developer site first.

Once integrated with Apple Pay, you can use our Payments API to take a payment. Use our payments:migrateCardOnFileAuthorize or payments:migrateCardOnFileRecurring endpoint to submit your request.

Example request

  1. Card on file Apple Pay decrypted
  2. Recurring Apple Pay decrypted
{
    "transactionReference": "Memory265-13/08/1876",
    "merchant": {
        "entity": "MindPalaceLtd",
        "mcc": "6432",
        "paymentFacilitator": {
            "pfId": "12345",
            "isoId": "12345",
            "subMerchant": {
                "name": "John",
                "merchantId": "12345",
                "postalCode": "SW1 1AA",
                "street": "Regent Street",
                "city": "London",
                "state": "WSM",
                "countryCode": "826",
                "taxId": "ABC-123456789",
                "email": "test@email.com",
                "telephone": "+447987 654321"
            }
        }
    },
    "instruction": {
        "scheme": {
            "reference": "0123456"
        },
        "narrative": {
            "line1": "Mind Palace Ltd"
        },
        "value": {
            "currency": "GBP",
            "amount": 250
        },
        "paymentInstrument": {
            "type": "card/networkToken+applepay",
            "dpan": "4444333322221111",
            "billingAddress": {
                "address1": "221B Baker Street",
                "address2": "Marylebone",
                "address3": "Westminster",
                "postalCode": "NW1 6XE",
                "city": "London",
                "state": "Greater London",
                "countryCode": "GB"
            },
            "cardHolderName": "Sherlock Holmes",
            "cardExpiryDate": {
                "month": 12,
                "year": 2020
            }
        }
    },
    "customer": {
        "authentication": {
            "type": "card/networkToken",
            "authenticationValue": "abc123==",
            "eci": "00"
        }
    }
}

Example response

  1. Successful card on file Apple Pay decrypted
  2. Successful recurring Apple Pay decrypted
{
    "outcome": "authorized",
    "riskFactors": [
        {
            "risk": "not_supplied",
            "type": "cvc"
        },
        {
            "risk": "not_supplied",
            "detail": "address",
            "type": "avs"
        },
        {
            "risk": "not_supplied",
            "detail": "postcode",
            "type": "avs"
        }
    ],
    "issuer": {
        "authorizationCode": "594554"
    },
    "scheme": {
        "reference": "000000000000020005060720116005061"
    },
    "paymentInstrument": {
        "type": "card/network",
        "card": {
            "paymentAccountReference": "Q1HJZ28RKA1EBL470G9XYG90R5D3E"
        }
    },
    "_links": {
        "payments:cancel": {
            "href": "https://try.access.worldpay.com/payments/authorizations/cancellations/eyJrIjoiaz"
        },
        "payments:settle": {
            "href": "https://try.access.worldpay.com/payments/settlements/full/eyJrIjoiazNhYjYzMiIs"
        },
        "payments:partialSettle": {
            "href": "https://try.access.worldpay.com/payments/settlements/partials/eyJrIjoiazNhYjYzM"
        },
        "payments:events": {
            "href": "https://try.access.worldpay.com/payments/events/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJ"
        },
        "curies": [
            {
                "name": "payments",
                "href": "https://try.access.worldpay.com/rels/payments/{rel}",
                "templated": true
            }
        ],
        "payments:cardOnFileAuthorize": {
            "href": "https://try.access.worldpay.com/payments/authorizations/cardOnFile/eyJrIjoiazNhYjYzMiIs"
        },
        "payments:recurringAuthorize": {
            "href": "https://try.access.worldpay.com/payments/authorizations/recurring/eyJrIjoiazNhYjYzMiIs"
        }
    }
}

For more information on how to take a payment with our Apple Pay decrypted payment instrument go to our Payments API documentation for card on file and recurring authorizations.

Make a payout

To send a payout request with a decrypted payload, you must follow the instructions on Apple Pay's developer site first.

You can either send a basicDisbursement or a fastAccess request to make a payout.

Example request:

For parameter descriptions and possible outcomes go to our Payouts documentation.