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Apple Pay provides a secure and seamless payment method that enables your customers to pay using their iPhone, iPad, Apple Watch, or Mac devices. Cashfree supports Apple Pay for both domestic and international cards. Learn how to implement Apple Pay with Cashfree based on your technical requirements and business needs.

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Benefits of Apple Pay

Offering Apple Pay at checkout gives customers a one-tap payment experience, which improves both payment success and checkout conversion.
  • Higher success rate: Apple Pay authenticates with Face ID, Touch ID, or a device passcode and uses a device-specific token instead of card details, removing common failure points such as mistyped card numbers, expired OTPs, and retries.
  • Better conversion: Checkout completes in a single tap, from cart to paid, with no card form and no OTP step, so customers spend less time between adding to cart and completing payment.
  • Saved card experience for first-time buyers: Cards are saved in Apple Wallet at the device level rather than with an individual merchant, so customers get a saved-card checkout experience, with no manual typing, even on their first purchase with you.
  • Lower drop-offs: Removing manual card entry, long checkout forms, and OTP authentication reduces the number of steps a customer needs to complete a payment, which lowers cart abandonment.
Cashfree offers the following methods to integrate Apple Pay:
  • Cashfree-hosted checkout: Use Cashfree’s pre-built checkout page where customers can select Apple Pay as a payment option. See Hosted Checkout.
  • Custom checkout: Use your custom-built checkout and offer Apple Pay as a payment option, either through a direct integration or through a payment orchestrator. See Custom Checkout.
To enable Apple Pay for your customers, log in to the Merchant Dashboard and navigate to Settings > Payment Methods > Apple Pay. You can also contact your Cashfree account manager or submit the Support Form.

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Compatibility

Apple Pay payment options work for customers using the following supported devices:
  • iPhone with Touch ID or Face ID.
  • iPad with Touch ID or Face ID.
  • Apple Watch paired with eligible Apple devices.
  • Mac with Touch ID or Mac paired with eligible Apple devices.
  • Windows PC or third-party browsers by scanning a QR code from eligible Apple devices.
Apple Pay availability also depends on issuer support and the shopper’s country or region. See Apple’s resources for the latest details: Apple Pay appears as a payment option when the shopper has added an eligible card to Apple Wallet and is using a compatible device and browser in a supported region.

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Best practices

Follow Apple’s official guidance for both design and technical implementation when enabling Apple Pay. Ensure that the UI, button usage, flows, and web and app behaviours meet Apple’s Human Interface Guidelines and implementation standards. Also follow these practices for optimal Apple Pay implementation:
  • Progressive enhancement: Show Apple Pay only when available.
  • Clear labelling: Use Apple’s official button designs and guidelines.
  • Error handling: Provide clear feedback for failed transactions.
  • Performance: Minimise steps between button tap and payment completion.

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Security and compliance

Apple Pay integration requires attention to security best practices and compliance requirements.

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Certificate management

  • Apple Pay certificates expire every 25 months.
  • Store private keys in hardware security modules when possible.
  • Limit certificate access to authorised personnel only.

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Data protection

  • Apple Pay uses device-specific tokens instead of actual card numbers.
  • Transactions require Touch ID, Face ID, or device passcode.
  • All communications use TLS encryption.

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Compliance

  • PCI DSS compliance is required only for the Merchant Decrypts option under custom checkout, where you decrypt the payment data yourself. See Custom Checkout.
  • Avoid storing Apple Pay tokens; they are single-use.
  • Ensure compliance with local payment regulations.

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Troubleshooting

Review these common issues and their resolutions when implementing Apple Pay.

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Apple Pay button not appearing

  • Verify device and browser compatibility.
  • Check Apple Pay wallet has cards added.
  • Ensure HTTPS is enabled on your domain.

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Certificate errors

  • If you use your own Apple Developer account, regenerate the CSR from there.
  • Verify the certificate has not expired (25-month validity).
  • Ensure correct merchant ID association.

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Payment failures

  • Check 3DS authentication requirements.
  • Verify supported networks match customer’s card.
  • Validate payment amounts and currency codes.

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Error codes

For additional support or questions about Apple Pay integration, contact the Cashfree support team through the Support Form or see the Apple Pay API documentation.