Apple Pay Integrations and Payload Decryption Methods

In response to a payment request, Apple Pay returns an encrypted payload that contains sensitive payment information. Two methods can be used to extract and decrypt the payment information, and both methods support Apple Pay in-app and web transactions.

With
National Australia Bank
decryption
,
National Australia Bank
manages the generation of the payment encryption key and the decryption of the Apple Pay response.
IMPORTANT
This method reduces the exposure of the sensitive payment data to your system.
With
merchant decryption
, you manage both the payment encryption key generation and the decryption of the Apple Pay response.

The remainder of this section summarizes the flow of Apple Pay transaction processing for each decryption method.