Integration Options

National Australia Bank
supports Apple Pay in multiple integration options. Three of the most widely used options are
VDC NAB
decryption, merchant decryption, and
Checkout API
. Each option presents specific tradeoffs and advantages, and you can select the integration model that best fits your business.
Apple Pay integration is built into the
National Australia Bank
payment management platform.
National Australia Bank
offers two integration methods for handling the payment data returned by the Apple Pay service for processing payments. In response to an authorization request, Apple Pay returns payment data in an encrypted payload. The encrypted payment data is handled and processed differently, depending on which integration method is used. Both decryption methods support Apple Pay in-app and Apple Pay on the web.

VDC NAB
Decryption

For
VDC NAB
decryption, you implement Apple Pay directly on your checkout page. You send
National Australia Bank
all encrypted payment information that you receive from Apple Pay.
VDC NAB
creates and manages the Apple Pay decryption keys, extracts and decrypts payment information, and maps the information to the appropriate fields for authorization and other payment services on your behalf. Having
VDC NAB
process your Apple Pay transactions reduces your exposure to sensitive payment information.

Merchant Decryption

For merchant decryption, you (the merchant or the integrator) manage all aspects of the Apple Pay implementation, from generation of the payment encryption keys to decryption of the payment response payload from Apple Pay. As a merchant, you submit the Apple Pay payment token and other payment information to
VDC NAB
for processing. With merchant decryption, payment instrument details remain visible to you, and you control the technical development that decrypts this information.

Unified Checkout Integration

Unified Checkout Integration
is a consolidated digital acceptance product.
Unified Checkout Integration
offers a single implementation for multiple payment options. This integration type is designed for merchants looking for a single solution for integrating multiple digital payment options.
IMPORTANT
Unified Checkout Integration
is not covered in this guide. It is mentioned here for the sake of completeness. For information about Unified Checkout, see the .