Flow of Apple Pay In-App Transactions Processed Using Merchant Decryption

When the customer chooses to pay with Apple Pay, you use the Apple PassKit Framework to request the encrypted payment data from Apple.

Apple uses the Secure Element to create a

payment token

and encrypt the token’s

payment data

before it sends your application.

The payment token is the
PKPaymentToken
structure.
The payment data is the
paymentData
field of the
PKPaymentToken
structure.

You forward the encrypted payment data to your order management system to decrypt. For information on decryption, see the Payment Token Format Reference article in the Apple Pay Developer Documentation.

Using the

National Australia Bank

API, you submit the authorization request and include the decrypted payment data.

National Australia Bank

forwards the information to the payment network, which includes your processor and the relevant payment card company.