# Apple Pay

> Apple Pay payments through Ozow.

Source: https://hub.ozow.com/payment-methods/money-in/card/apple-pay/

Apple Pay lets your customers pay with a card they've already saved to their iPhone, iPad or Mac,
confirmed with Face ID, Touch ID or their device passcode. There's no card number to type, no CVV to
find and no form to fill in.

Apple Pay is a card payment underneath, so everything on the [Card](https://hub.ozow.com/payment-methods/money-in/card.md) page applies to it too.

## How your customer pays

1. Your customer reaches the payment step.
2. If they're on a device and browser that supports it, an Apple Pay button appears alongside card
   entry.
3. They tap it, check the amount, and confirm with Face ID, Touch ID or their device passcode.
4. The payment is confirmed and your customer returns to your site.

## Enabling Apple Pay

**Card has to be enabled first.** Apple Pay sits on top of card, you can't have it without card. If
card isn't enabled on your account yet, start there: see [Card](https://hub.ozow.com/payment-methods/money-in/card.md).

**Apple Pay is then enabled separately.** It isn't switched on automatically with card. Speak to
your account manager to have it added to your account.

Once both are enabled, the Apple Pay button appears on the Ozow payment page for customers whose
devices support it. You don't need to change your integration.

**If you want Apple Pay on your own checkout page** rather than an Ozow screen, that's a separate
build using the [Embedded Wallet](https://hub.ozow.com/integration-methods/apis/money-in/embedded-wallet.md), and
you must verify each domain you'll display the button on. The integration guide covers the setup.

## Things to know

**It behaves like a card payment.** Chargebacks, refunds and settlement all work the same way as
card, because that's what it is. See [Card](https://hub.ozow.com/payment-methods/money-in/card.md) and [Refunds](https://hub.ozow.com/payment-methods/refunds.md).

**There's no separate `institutionId` for Apple Pay.** If you're building a standalone button, use
card's; the Apple Pay button appears on the card payment screen alongside it.

**Apple sets its own button rules.** How the Apple Pay button looks, how big it is and where it sits
are governed by Apple's published brand guidelines, not by Ozow. Follow theirs. Ozow can't grant an
exception.

**Domain verification applies to your own checkout page.** On the Ozow payment page there's nothing
to verify. In the Embedded Wallet, Apple validates your top-level checkout domain, so each domain
must host the association file Ozow supplies. See [Apple Pay
setup](https://hub.ozow.com/integration-methods/apis/money-in/embedded-wallet.md#apple-pay-setup).

**Outside Safari, the button hands off to a device.** In Safari on macOS or iOS the native Apple Pay
sheet opens. In Chrome, Edge and Firefox, including on Windows, the button opens a QR code sheet and
your customer completes the payment on an iOS 18 or later device.

**The Embedded Wallet is a web SDK.** It isn't supported inside native iOS or Android applications.
For payments in a native app, use [Redirect: One
API](https://hub.ozow.com/integration-methods/apis/money-in/redirect-to-ozow.md) or web view.

## Integrating Apple Pay

**On the Ozow payment page, there's nothing to build.** Once card and Apple Pay are enabled, the
button appears automatically wherever your customers reach the Ozow payment page:

- [Redirect to Ozow](https://hub.ozow.com/integration-methods/apis/money-in/redirect-to-ozow.md)
- [Embedded iframe](https://hub.ozow.com/integration-methods/apis/money-in/embedded-iframe.md)
- [Embedded modal](https://hub.ozow.com/integration-methods/apis/money-in/embedded-modal.md)
- [No code payment requests](https://hub.ozow.com/integration-methods/no-code/payment-requests.md)
- [Plugins and platforms](https://hub.ozow.com/integration-methods/plugins-and-platforms.md)

**On your own checkout page, use the Embedded Wallet.** It renders Apple Pay, Google Pay and card
entry in an iframe on your page. This is a separate build with its own requirements, including Apple
Pay domain verification and content security policy allowances.

→ [Embedded Wallet](https://hub.ozow.com/integration-methods/apis/money-in/embedded-wallet.md)

**Apple Pay button artwork** must come from Apple directly, under their brand guidelines. Icons for
Ozow's other payment methods are in [Brand assets](https://hub.ozow.com/payment-methods/brand-assets.md).

## Also here

Google Pay works the same way and is enabled on the same basis: see [Google Pay](https://hub.ozow.com/payment-methods/money-in/card/google-pay.md).