# Mobile wallets

A secure and easy way for your customers to pay. Integrate [Apple Pay](/products/wallets/applepay) and [Google Pay](/products/wallets/googlepay) into your business.

## Why offer mobile wallets?

* Fast-track your customer to the payment without requiring an account/registration.
* Mobile wallet providers share the billing and shipping address on your customer's behalf.
* Low PCI requirements.
* SCA (Strong Customer Authentication) compliant - built-in two-factor authentication.
* We decrypt, ensuring a simpler integration with the mobile wallet providers.


## Capabilities

| **Take a payment** - we decrypt  | **Payout to a wallet** - we decrypt  |
|  --- | --- |
| 1. Integrate with your mobile wallet provider: [Apple Pay](/products/wallets/applepay) and [Google Pay](/products/wallets/googlepay).
2. Integrate with our Card Payments API:

* Use the encrypted payload in a request to our [`customerInitiatedTransactions` endpoint](/products/card-payments/openapi/other/authorize) and include the `customerAgreement` object to receive a `tokens:token` if you want to take recurring payments.
* You can then use the `tokens:token` to take recurring payments in our [`merchantInitiatedTransactions` endpoint](/products/card-payments/openapi/other/recurring).

 | 1. Integrate with your mobile wallet provider: [Apple Pay](/products/wallets/applepay) and [Google Pay](/products/wallets/googlepay).
2. Integrate with our Card Payments API:

* Use our [`customerInitiatedTransactions` endpoint](/products/card-payments/openapi/other/authorize) with your encrypted payload, including the `customerAgreement` object.
* You receive a `tokens:token` in your response.
* Integrate with our Card Payouts API and use your token to [make a payout](/products/card-payouts/v3/payouts) with `payoutInstrument` `"type": "card/tokenized"`.

 |


Note
Payouts to a wallet is currently only supported for Visa and Mastercard branded payouts.

**Next steps**

#### We decrypt

[Take a payment with a wallet](/products/card-payments/authorize-a-payment)
[Payout to a wallet](/products/card-payouts/wallets)

#### You decrypt

If you want to send the decrypted payload yourself, you can use the decrypted model outlined in our guides.

[Apple Pay - create a payment/payout with a decrypted payload](/products/wallets/decrypted-apple)
[Google Pay - create a payment with a decrypted payload](/products/wallets/decrypted-google)