Third Party Apple Pay

Apple Pay is a mobile payment solution available on iOS devices. It uses several proprietary technologies to create an end-to-end, in-app and in-store, mobile payment experience. Because Apple Pay represents a significantly different workflow than other traditional payment methods, it’s important to first understand how it works before integrating with Spreedly.

How Apple Pay works

At the time of sale, Apple Pay encrypts a payment token that contains an alias PAN (card number), cryptogram, and basic transaction information and hands it to the merchant iOS app. From there it is up to the merchant app to send the payment token to a supporting processor. At the end of the workflow the token is sent to one of the few gateways that support ThirdPartyApplePay. This full lifecycle is outlined here:

Implementing ThirdPartyApplePay is completely specific to the gateway therefore the first step is to check their documentation to validate the exact credentials and steps needed to create a Apple Pay Payment Data.

Supported gateways

Currently, you can use ThirdPartyApplePay on the following gateways:

Spreedly Gateway GuideGateway ApplePay Integration Docs
ElavonElavon ApplePay Docs

Using Apple Pay on the Web

Using Apple Pay on the Web requires you to first start an ApplePaySession (API reference) before making the necessary calls to generate a token.

Step 1: Generate ApplePay Session

Transacting with an ThirdPartyApplePay on Elavon is a bit different than other payment methods. This is an example request body to generate a ApplePay session required by Elavon. Please not that ThirdPartyApplePay transaction should include gateway_type as a parameter. Since these payment methods are gateway specific, ThirdPartyApplePay payment methods are locked to the gateway type that was specified, and you'll receive an error if you try to use them with the wrong gateway.

In the response, Spreedly returns a apple_pay_session as part of the gateway response fields.

curl https://core.spreedly.com/v1/gateways/LlkjmEk0xNkcWrNixXa1fvNoTP4/verify.json \
 -u 'C7cRfNJGODKh4Iu5Ox3PToKjniY:4UIuWybmdythfNGPqAqyQnYha6s451ri0fYAo4p3drZUi7q2Jf4b7HKg8etDtoKJ' \
 -H 'Content-Type: application/xml' \
 -d '{
    {
      "transaction": {
        "payment_method": {
            "payment_method_type": "third_party_apple_pay",
            "gateway_type": "elavon"
        }
      }
    }
  }'

Step 2: Update ThirdPartyApplePay

Using that ApplePay Session you can now continue the next steps of generating a PKPaymentToken which contains a JSON-formatted paymentData string. This paymentData is what Spreedly needs to process the transaction and looks something like this:

curl https://core.spreedly.com/v1/payment_methods.json \
 -u 'C7cRfNJGODKh4Iu5Ox3PToKjniY:4UIuWybmdythfNGPqAqyQnYha6s451ri0fYAo4p3drZUi7q2Jf4b7HKg8etDtoKJ' \
 -H 'Content-Type: application/xml' \
 -d '{
    {
      "payment_method": {
        "payment_method_token": "2ujzhvLJXwuXAVXC8nHE3bvPbgH",
        "payment_data": {
          "version":"EC_v1",
          "data":"QlzLxRFnNP9/GTaMhBwgmZ2ywntbr9iOcBY4TjPZyNrnCwsJd2cq61bDQjo3agVU0LuEot2VIHHocVrp5jdy0FkxdFhGd+j7hPvutFYGwZPcuuBgROb0beA1wfGDi09I+OWL+8x5+8QPl+y8EAGJdWHXr4CuL7hEj4CjtUhfj5GYLMceUcvwgGaWY7WzqnEO9UwUowlDP9C3cD21cW8osn/IKROTInGcZB0mzM5bVHM73NSFiFepNL6rQtomp034C+p9mikB4nc+vR49oVop0Pf+uO7YVq7cIWrrpgMG7ussnc3u4bmr3JhCNtKZzRQ2MqTxKv/CfDq099JQIvTj8hbqswv1t+yQ5ZhJ3m4bcPwrcyIVej5J241R7dNPu9xVjM6LSOX9KeGZQGud",
          "signature":"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",
          "header":{
            "ephemeralPublicKey":"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEQwjaSlnZ3EXpwKfWAd2e1VnbS6vmioMyF6bNcq/Qd65NLQsjrPatzHWbJzG7v5vJtAyrf6WhoNx3C1VchQxYuw==",
            "transactionId":"e220cc1504ec15835a375e9e8659e27dcbc1abe1f959a179d8308dd8211c9371",
            "publicKeyHash":"/4UKqrtx7AmlRvLatYt9LDt64IYo+G9eaqqS6LFOAdI="
          }
      }
    }
  }'

Making a purchase

Transacting with an ThirdPartyApplePay payment method is very similar to using a credit card. Depending on your gateway’s support, you can initiate an authorize or purchase, passing in the Apple Pay payment data string (you can also add an ThirdPartyApplePay payment methodas a separate call from the actual transaction

curl https://core.spreedly.com/v1/gateways/LlkjmEk0xNkcWrNixXa1fvNoTP4/purchase.xml \
-u 'C7cRfNJGODKh4Iu5Ox3PToKjniY:4UIuWybmdythfNGPqAqyQnYha6s451ri0fYAo4p3drZUi7q2Jf4b7HKg8etDtoKJ' \
-H 'Content-Type: application/xml' \
-d '<transaction>
  <third_party_apple_pay>
    <payment_data><![CDATA[{"version":"EC_v1","data":"QlzLxRFnNP9/GTaMhBwgmZ2ywntbr9iOcBY4TjPZyNrnCwsJd2cq61bDQjo3agVU0LuEot2VIHHocVrp5jdy0FkxdFhGd+j7hPvutFYGwZPcuuBgROb0beA1wfGDi09I+OWL+8x5+8QPl+y8EAGJdWHXr4CuL7hEj4CjtUhfj5GYLMceUcvwgGaWY7WzqnEO9UwUowlDP9C3cD21cW8osn/IKROTInGcZB0mzM5bVHM73NSFiFepNL6rQtomp034C+p9mikB4nc+vR49oVop0Pf+uO7YVq7cIWrrpgMG7ussnc3u4bmr3JhCNtKZzRQ2MqTxKv/CfDq099JQIvTj8hbqswv1t+yQ5ZhJ3m4bcPwrcyIVej5J241R7dNPu9xVjM6LSOX9KeGZQGud","signature":"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","header":{"ephemeralPublicKey":"MFkwEwYHKoZIzj0CAQYIKoZIzj0DAQcDQgAEQwjaSlnZ3EXpwKfWAd2e1VnbS6vmioMyF6bNcq/Qd65NLQsjrPatzHWbJzG7v5vJtAyrf6WhoNx3C1VchQxYuw==","transactionId":"e220cc1504ec15835a375e9e8659e27dcbc1abe1f959a179d8308dd8211c9371","publicKeyHash":"/4UKqrtx7AmlRvLatYt9LDt64IYo+G9eaqqS6LFOAdI="}}
]]></payment_data>
    <gateway_type>'elavon'</gateway_type>
  </third_party_apple_pay>
	<amount>123</amount>
	<currency>'USD'</currency>
</transaction>'

Please not that ThirdPartyApplePay transaction should include gateway_type as a parameter. Since these payment methods are gateway specific, ThirdPartyApplePay payment methods are locked to the gateway type that was specified, and you'll receive an error if you try to use them with the wrong gateway.

<transaction>
  <on_test_gateway type="boolean">true</on_test_gateway>
  <created_at type="dateTime">2017-07-27T17:52:55Z</created_at>
  <updated_at type="dateTime">2017-07-27T17:52:55Z</updated_at>
  <succeeded type="boolean">true</succeeded>
  <state>succeeded</state>
  <token>VLoscFsWpoxGUVCJ2MoyIVEUrN5</token>
  <transaction_type>Purchase</transaction_type>
  <order_id>e220cc1504ec15835a375e9e8659e27dcbc1abe1f959a179d8308dd8211c9371</order_id>
  <ip nil="true"/>
  <description nil="true"/>
  <email nil="true"/>
  <merchant_name_descriptor nil="true"/>
  <merchant_location_descriptor nil="true"/>
  <gateway_specific_fields nil="true"/>
  <gateway_specific_response_fields>
  </gateway_specific_response_fields>
  <gateway_transaction_id>65</gateway_transaction_id>
  <gateway_latency_ms type="integer">0</gateway_latency_ms>
  <amount type="integer">100</amount>
  <currency_code>USD</currency_code>
  <retain_on_success type="boolean">false</retain_on_success>
  <payment_method_added type="boolean">true</payment_method_added>
  <message key="messages.transaction_succeeded">Succeeded!</message>
  <gateway_token>T11bJAANtTWnxl36GYjKWvbNK0g</gateway_token>
  <shipping_address>
    <name></name>
    <address1 nil="true"/>
    <address2 nil="true"/>
    <city nil="true"/>
    <state nil="true"/>
    <zip nil="true"/>
    <country nil="true"/>
    <phone_number nil="true"/>
  </shipping_address>
  <response>
    <success type="boolean">true</success>
    <message>Successful purchase</message>
    <avs_code nil="true"/>
    <avs_message nil="true"/>
    <cvv_code nil="true"/>
    <cvv_message nil="true"/>
    <pending type="boolean">false</pending>
    <result_unknown type="boolean">false</result_unknown>
    <error_code></error_code>
    <error_detail nil="true"/>
    <cancelled type="boolean">false</cancelled>
    <fraud_review nil="true"/>
    <created_at type="dateTime">2017-07-27T17:52:55Z</created_at>
    <updated_at type="dateTime">2017-07-27T17:52:55Z</updated_at>
  </response>
  <api_urls>
  </api_urls>
  <payment_method>
    <token>RgGkf6vbV2QOuibYDq5F2hBjQy8</token>
    <created_at type="dateTime">2017-07-27T17:52:55Z</created_at>
    <updated_at type="dateTime">2017-07-27T17:52:55Z</updated_at>
    <email nil="true"/>
    <data nil="true"/>
    <storage_state>cached</storage_state>
    <test type="boolean">true</test>
    <first_name nil="true"/>
    <last_name nil="true"/>
    <month type="integer">3</month>
    <year type="integer">2018</year>
    <full_name></full_name>
    <address1 nil="true"/>
    <address2 nil="true"/>
    <city nil="true"/>
    <state nil="true"/>
    <zip nil="true"/>
    <country nil="true"/>
    <phone_number nil="true"/>
    <company nil="true"/>
    <shipping_address1 nil="true"/>
    <shipping_address2 nil="true"/>
    <shipping_city nil="true"/>
    <shipping_state nil="true"/>
    <shipping_zip nil="true"/>
    <shipping_country nil="true"/>
    <shipping_phone_number nil="true"/>
    <payment_method_type>third_party_apple_pay</payment_method_type>
    <errors>
    </errors>
  </payment_method>
</transaction>