**Last updated**: 14 November 2025 | [**Change log**](/products/payments/changelog/)

# Apple Pay

Add [Apple Pay](https://developer.apple.com/apple-pay/) to iOS apps, watchOS apps and to websites for [these supported countries](https://www.apple.com/ios/feature-availability/#apple-pay).

Make an Apple Pay payment by providing the encrypted payload (wallet token) in the [`payments`](/products/payments/openapi/) request.

Mastercard, Visa, Amex and Discover branded Apple Pay payments receive liability shift.

Coming soon
* Apple Pay decrypted support
* Apple Pay when [setting up a recurring payment](/products/payments/recurring-first)


## 1. Get started

1. Read through [Apple's overview](https://developer.apple.com/apple-pay/implementation/).
2. Create an Apple Merchant ID.
3. Ask your Worldpay Implementation Manager to enable Apple Pay.
4. Get your Certificate Signing Request (CSR) from your Implementation Manager.
5. Use your CSR to get your payment processing certificate from Apple.


### Enable [Apple Pay in-app](https://developer.apple.com/documentation/passkit/apple_pay/)

1. Enable Apple Pay in Xcode.
2. Set **`merchantCapabilities`** to **`PKMerchantCapability3DS`**, as Worldpay only supports 3DS.


### Enable [Apple Pay on the web](https://developer.apple.com/documentation/apple_pay_on_the_web)

1. Register and verify any domains that will host Apple Pay.
2. Create a merchant identity certificate. This is used to establish a secure connection between your servers and Apple's servers.
3. Set **`merchantCapabilities`** to **`PKMerchantCapability3DS`**, as Worldpay only supports 3DS.


## 2. Basic request

The `paymentInstrument.walletToken` is taken from `payment.paymentToken.paymentData` in the Apple Pay [payment request](https://developer.apple.com/documentation/apple_pay_on_the_web/payment_request_api).

View the full API Request schema
## 3. Add additional features

**Note:** 3DS (for Google Pay) and FraudSight are not yet available for wallets

Auto Settlement
Automatically settle a payment following the authorization.
Enterprise
Worldpay eCommerce

Account Funding Transactions (AFT)
Transfer funds from a card account to another destination, rather than for the provision of goods or services.
Enterprise

Financial Service (MCC 6012/6051)
For domestic Financial Services providers (MCC 6012) based in the Visa Europe Region, you must supply this additional data.
Enterprise

Payment Facilitator
Facilitate transactions on behalf of your sub-merchants.
Enterprise

## 4. Response

Features that change the API flow
Certain features add additional requests and responses:

- [Auto Settlement](/products/payments/enable-features/auto-settlement) - automatic `202` - `sentForSettlement` following authorization.
  - If any of the AVS/CVC response riskFactors are marked as `notMatched` the payment is `sentForCancellation` automatically by default but can be disabled.


View the full API Response schema