apple pay within apps - an introduction
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Mobile first payments platform1
Apple Pay within appsAn introduction
Mobile first payments platform2
What is Apple Pay?
Apple Pay or In-app Purchase?
What are the benefits of using Apple Pay?
How secure is Apple Pay?
Apple Pay architecture
Designing for Apple Pay
Success of Apple Pay in U.S
Summary
Further documentation
Content
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What is Apple Pay?
An easy, secure, private way to pay within apps and in-store
One touch payments
Use for physical goods and services
Currently available on devices that have a Secure Element chipa hardware chip dedicated to securely storing card information
Available on iPhone 6, 6 Plus, iPad Air 2, iPad mini 3,
Apple Watch (when paired with an iPhone 5 or 6)
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Apple Pay or in-app purchase?
Apple Pay In-app purchase
Framework PassKit StoreKit
Use for Physical goods and serviceIn-app content,
functionality, services, subscriptions
Payment processor Developer responsible Apple
App store review guidelines Section 29 Section 11
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Easy
No need to re-enter payment and contact information, no need for passwords
Secure
Pay using Touch ID Apple's fingerprint authentication
What are the benefits of Apple Pay?
Private
Card number not exposed to the merchant
Don’t need to handle actual card numbers
Higher conversion rates and faster checkouts
No onboarding or existing accounts required
Users love it
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Apple doesn’t save transaction information or card numbers on its servers
Most recent purchases are kept in the Passbook (soon to be wallet) app
Apple Pay uses tokenisation
makes card payments secure by creating a number or token (Device Account Number) that replaces your card detailsThis number is encrypted and securely stored in the Secure Element
When a payment is initiated
only the Device Account Number is passed to the retailer or merchant, therefore they will not have direct access to card details
How secure is Apple Pay?
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Apple Pay architectureFirst, get a Merchant identifier
Apple Pay requires a Merchant Identifier
Create a Merchant Identifier and matching certificate at the Developer Portal
Your identifier and certificate are used to encrypt payment data
How payments are made
Your app displays the payment sheet
Touch ID is used to authorize
Your app receives a payment token
This token is encrypted using your Merchant ID’s certificate
Send this token to your processor
Payment platforms
Handle decryption on your behalf
Simply send the payment token
Some provide native iOS development kits
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Apple Pay architecture
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Designing for Apple PayApple Pay is designed to make shopping easy
No need for account setup
Lengthy forms eliminated
Prevent outdated billing and shipping information
Things to keep in mind while integrating
The goal is to enable quicker checkout
Set default payment method to Apple Pay for eligible customers
Display Apple Pay buttons prominently
Show the payment sheet immediately
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Customising the payment sheet
Request billing, shipping, and contact info if needed
Specify shipping method or pickup
List shipping cost, tax, or discounts after the sub-total
Make estimates clear
Place the business name before the total cost
Designing for Apple Pay
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Success of Apple Pay in the U.S?In Q1 of 2015
74.5 million iPhones sold, mostly iPhone 6 and 6 Plus
In May 2015
Nearly half of owners of eligible devices have used Apple Pay, 4% increase from two months earlier63% of US Apple Pay users pay with Apple Pay weeklyUK will see higher and faster adoption rate due to pre-existing success of contactless payments
OpenTable
50% transaction growth with Apple Pay
Staples
109% increase in overall conversion
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Easy, private, secure way to pay
Try Apple Pay for yourself when it arrives
Integrate into your apps for higher conversion
Delight your users
Summary
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Apple Pay UK: https://apple.com/uk/apple-pay
Apple Pay for developers:https://developer.apple.com/apple-pay/
iOS security white paper: http://www.apple.com/business/docs/iOS_Security_Guide.pdf
Further documentation
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Mobile first paymentsplatform for apps and web
judo © 2015
Parker CrockfordVP Sales & Marketing
m+44 (0)203 195 9033