# Apple Pay decrypted

[Take a payment](#take-a-payment) or [make a payout](#make-a-payout) with Apple Pay decrypted.

## Take a payment

To send a payment request with a decrypted payload, you must follow the instructions on [Apple Pay's developer site](https://developer.apple.com/library/archive/documentation/PassKit/Reference/PaymentTokenJSON/PaymentTokenJSON.html) first.

Once integrated with Apple Pay, you can use our Card Payments API to take a payment. Use our [customerInitiatedTransactions endpoint](/products/card-payments/openapi/other/authorize) or [merchantInitiatedTransactions](/products/card-payments/repeat-payments) endpoint to submit your request.

### Example request

### Example response

Successful
{
    "outcome": "authorized",
    "paymentId": "828474a3-f175-480d-a98b-835e8a1bef75",
    "commandId": "cmdjBpN_UXthG8alrwjQDQbU0",
    "riskFactors": [
        {
            "type": "cvc",
            "risk": "notSupplied"
        },
        {
            "type": "avs",
            "risk": "notSupplied",
            "detail": "address"
        },
        {
            "type": "avs",
            "risk": "notSupplied",
            "detail": "postcode"
        }
    ],
    "issuer": {
        "authorizationCode": "225085"
    },
    "scheme": {
        "reference": "060720116005062"
    },
    "paymentInstrument": {
        "type": "card/network",
        "cardBin": "444433",
        "expiryDate": {
            "month": 5,
            "year": 2035
        },
        "paymentAccountReference": "Q1HJZ28RKA1EBL470G9XYG90R5D3E"
    },
    "_links": {
        "cardPayments:cancel": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payments/authorizations/cancellations/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.sN:g8wd64bwkbrp0md+bPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y:7njc4649JSrU7+vFDl1J36+cwOkX0lW4Z+fnZKMutoUGX3m1:mbq+gijbswid1YTI700ExzvgMY:fWcGQofGFMpaBDwtbX26OlR2BlA6Rrq6BOaIho:G:6OJpUdnvqbWL:THJeE+srgCaGKzEty4LpcH2OxhODOmSpQ1WgKUNrqV7rX4t+deDdVismwl4hPYJYC:tzrQxb3dMMHI4StxAiTtL5+GU8RUUMtUdhVEpcUN1AkWs6Z0CDUVz1hPk8AA2Gee9zZNSxO382cm+Np0gFBXgXyS9UjNCSCUl0kzGO8y3R240Bd0Cr545KDaJzQ0dLiQKI7NB2ohgV+kpSs5:is6oe2DKFSC8A9INCTEB+xCgs4drbkWJ7u3iDfQTaER8HSg+HBg=="
        },
        "cardPayments:partialCancel": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payments/authorizations/cancellations/partials/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.sN:g8wd64bwkbrp0md+bPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y:7njc4649JSrU7+vFDl1J36+cwOkX0lW4Z+fnZKMutoUGX3m1:mbq+gijbswid1YTI700ExzvgMY:fWcGQofGFMpaBDwtbX26OlR2BlA6Rrq6BOaIho:G:6OJpUdnvqbWL:THJeE+srgCaGKzEty4LpcH2OxhODOmSpQ1WgKUNrqV7rX4t+deDdVismwl4hPYJYC:tzrQxb3dMMHI4StxAiTtL5+GU8RUUMtUdhVEpcUN1AkWs6Z0CDUVz1hPk8AA2Gee9zZNSxO382cm+Np0gFBXgXyS9UjNCSCUl0kzGO8y3R240Bd0Cr545KDaJzQ0dLiQKI7NB2ohgV+kpSs5:is6oe2DKFSC8A9INCTEB+xCgs4drbkWJ7u3iDfQTaER8HSg+HBg=="
        },
        "cardPayments:settle": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payments/settlements/full/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.sN:g8wd64bwkbrp0md+bPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y:7njc4649JSrU7+vFDl1J36+cwOkX0lW4Z+fnZKMutoUGX3m1:mbq+gijbswid1YTI700ExzvgMY:fWcGQofGFMpaBDwtbX26OlR2BlA6Rrq6BOaIho:G:6OJpUdnvqbWL:THJeE+srgCaGKzEty4LpcH2OxhODOmSpQ1WgKUNrqV7rX4t+deDdVismwl4hPYJYC:tzrQxb3dMMHI4StxAiTtL5+GU8RUUMtUdhVEpcUN1AkWs6Z0CDUVz1hPk8AA2Gee9zZNSxO382cm+Np0gFBXgXyS9UjNCSCUl0kzGO8y3R240Bd0Cr545KDaJzQ0dLiQKI7NB2ohgV+kpSs5:is6oe2DKFSC8A9INCTEB+xCgs4drbkWJ7u3iDfQTaER8HSg+HBg=="
        },
        "cardPayments:partialSettle": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payments/settlements/partials/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.sN:g8wd64bwkbrp0md+bPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y:7njc4649JSrU7+vFDl1J36+cwOkX0lW4Z+fnZKMutoUGX3m1:mbq+gijbswid1YTI700ExzvgMY:fWcGQofGFMpaBDwtbX26OlR2BlA6Rrq6BOaIho:G:6OJpUdnvqbWL:THJeE+srgCaGKzEty4LpcH2OxhODOmSpQ1WgKUNrqV7rX4t+deDdVismwl4hPYJYC:tzrQxb3dMMHI4StxAiTtL5+GU8RUUMtUdhVEpcUN1AkWs6Z0CDUVz1hPk8AA2Gee9zZNSxO382cm+Np0gFBXgXyS9UjNCSCUl0kzGO8y3R240Bd0Cr545KDaJzQ0dLiQKI7NB2ohgV+kpSs5:is6oe2DKFSC8A9INCTEB+xCgs4drbkWJ7u3iDfQTaER8HSg+HBg=="
        },
        "cardPayments:reverse": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payments/authorizations/reversals/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.sN:g8wd64bwkbrp0md+bPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y:7njc4649JSrU7+vFDl1J36+cwOkX0lW4Z+fnZKMutoUGX3m1:mbq+gijbswid1YTI700ExzvgMY:fWcGQofGFMpaBDwtbX26OlR2BlA6Rrq6BOaIho:G:6OJpUdnvqbWL:THJeE+srgCaGKzEty4LpcH2OxhODOmSpQ1WgKUNrqV7rX4t+deDdVismwl4hPYJYC:tzrQxb3dMMHI4StxAiTtL5+GU8RUUMtUdhVEpcUN1AkWs6Z0CDUVz1hPk8AA2Gee9zZNSxO382cm+Np0gFBXgXyS9UjNCSCUl0kzGO8y3R240Bd0Cr545KDaJzQ0dLiQKI7NB2ohgV+kpSs5:is6oe2DKFSC8A9INCTEB+xCgs4drbkWJ7u3iDfQTaER8HSg+HBg=="
        },
        "cardPayments:events": {
            "href": "https://try.access.worldpay-bsh.securedataplatform.com/payments/events/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.sN:g8wd64bwkbrp0md+bPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y:7njc4649JSrU7+vFDl1J36+cwOkX0lW4Z+fnZKMutoUGX3m1:mbq+gijbswid1YTI700ExzvgMY:fWcGQofGFMpaBDwtbX26OlR2BlA6Rrq6BOaIho:G:6OJpUdnvqbWL:THJeE+srgCaGKzEty4LpcH2OxhODOmSpQ1WgKUNrqV7rX4t+deDdVismwl4hPYJYC:tzrQxb3dMMHI4StxAiTtL5+GU8RUUMtUdhVEpcUN1AkWs6Z0CDUVz1hPk8AA2Gee9zZNSxO382cm+Np0gFBXgXyS9UjNCSCUl0kzGO8y3R240Bd0Cr545KDaJzQ0dLiQKI7NB2ohgV+kpSs5:is6oe2DKFSC8A9INCTEB+xCgs4drbkWJ7u3iDfQTaER8HSg+HBg=="
        },
        "curies": [
            {
                "name": "cardPayments",
                "href": "https://try.access.worldpay-bsh.securedataplatform.com/rels/cardPayments/{rel}",
                "templated": true
            }
        ]
    }
}

For more information on how to take a payment with our Apple Pay decrypted payment instrument refer to our Card Payments API documentation for [customerInitiatedTransactions](/products/card-payments/openapi/other/authorize) or [merchantInitiatedTransactions](/products/card-payments/repeat-payments) payments.

## Set up repeat payments

You can use decrypted Apple Pay to both [set up repeat payments](/products/card-payments/authorize-a-payment#store-a-card), and take subsequent [Merchant Initiated Transactions (MITs)](/products/card-payments/repeat-payments).

Include the `recurringPaymentRequest` modifier in your Apple Pay [payment request](https://developer.apple.com/documentation/apple_pay_on_the_web/payment_request_api). This allows you to include additional information within the Apple Pay form relating to the payment agreement you are making with your customer, such as terms and conditions and billing frequency.

[Decrypt the payment data](https://developer.apple.com/documentation/passkit/payment-token-format-reference#Verify-the-signature-and-decrypt-the-payment-data) and include the `customerAgreement` object in your [Customer Initiated Transactions](/products/card-payments/openapi/other/authorize) Apple Pay request to Worldpay:


```
{
...
  "instruction": {
    ...
    "customerAgreement": {
      "type": "subscription",
      "storedCardUsage": "first"
    }
  }
}
```

### Apple Pay Merchant Tokens (MPAN)

When you use the `recurringPaymentRequest` property, Apple issues a [merchant token](https://developer.apple.com/apple-pay/merchant-tokens/) (sometimes referred to as a merchant PAN or MPAN).

Merchant tokens are specific to the merchant, rather than to a particular iOS device, meaning that they remain valid even if your customer upgrades their iOS device and removes the card from their Apple wallet on their old device.

Submit the merchant token number in `paymentInstrument.tokenNumber` with `paymentInstrument.type` set to `card/networkToken+applepay` in your [`customerInitiatedTransactions`](/products/card-payments/openapi/other/authorize) and [`merchantInitiatedTransactions`](/products/card-payments/repeat-payments) requests.

If the card brand does not support merchant-scoped tokens, Apple issues a regular device-specific token for the payment request.

## Make a payout

To send a payout request with a decrypted payload, you must follow the instructions on [Apple Pay's developer site](https://developer.apple.com/library/archive/documentation/PassKit/Reference/PaymentTokenJSON/PaymentTokenJSON.html) first.

You can either send a [`basicDisbursement`](/products/card-payouts/payouts#payout-request) or a [`fastAccess`](/products/card-payouts/payouts#fast-access-payout-request) request to make a payout.

For parameter descriptions and possible outcomes refer to our [Card Payouts documentation](/products/card-payouts/payouts).