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Documentation Index

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Apple Pay™ is a digital wallet and mobile payment service that enables users to make secure and contactless payments with their Apple devices, such as iPhones, Apple Watches, and iPads. It tokenizes a user’s card information, providing a secure and private way to pay for goods and services in stores, within apps, and on the web.

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Integration Options with Dintero

There are primarily two ways to support Apple Pay in your payment flow: hosted checkout or native app integration.

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1. Hosted Checkout

If you are using our hosted checkout solution, you can add Apple Pay without any direct integration with Apple Pay’s APIs. Simply enable Apple Pay in your Dintero settings, and we will handle the rest, including the payment sheet display and transaction processing. If you want to embed the checkout on your own domain the domain needs to be verified. See the Hosted Checkout Domain Verification instructions.

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2. Native App Integration

For merchants who require a more customized and integrated payment experience, such as in a native mobile or web application, you can integrate with Apple Pay yourself. This gives you full control over the user interface and payment flow, while still leveraging Dintero as your payment gateway.

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Apple Pay Feature Support by PSP Provider

Dintero supports Apple Pay payments through both our own PSP and via Worldline. The table below shows which integration types are supported by each provider.
PSPNativeHostedHosted Embedded
Dintero✅✅✅
Worldline❌✅❌

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Liability

Apple Pay processes payments through the customer’s underlying card (credit, debit, or prepaid). This means:
  • Chargeback risk: Transactions are subject to card network chargeback rules. Customers can dispute charges through their card issuer (e.g., fraud disputes, items not received), following the same process and liability rules as regular card payments.
  • Strong authentication: Payments are authenticated using device biometrics (Face ID, Touch ID) or device passcode. This satisfies Strong Customer Authentication (SCA) requirements and reduces the risk of fraudulent use compared to manual card entry.
  • Funds guarantee: Apple Pay transactions go through a standard card authorization flow. An AUTHORIZED transaction means funds have been reserved at the card network level, and a CAPTURED transaction means funds are on their way to settlement.
  • ECI: Merchants can inspect the card.eci field on an authorized transaction before capturing to determine the authentication level and resulting liability. A value of 05 (Visa) or 02 (Mastercard) indicates full SCA with liability shift to the issuer. 06/01 indicates authentication was attempted. 07/00 indicates no authentication was performed and the merchant bears fraud liability.

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Next Steps

Explore Native App Integration for native iOS and web implementation.
Last modified on May 7, 2026