Apple Pay and Google Pay Deposit with decrypted token

This article describes how to integrate Apple Pay or Google Pay with decrypted flow.

Apple Pay

ApplePay is a secure, easy way to make payments for physical goods and services within iOS and watchOS. Websites can also accept ApplePay – it is available in Safari for iPhone, iPad, and Mac. Users authorize payments and provide shipping and contact information, using securely stored credentials on an iPhone, an iPad, or a MacBook Pro with Touch ID. On other Macs, the purchase is confirmed with the user's nearby iPhone or Apple Watch that has ApplePay enabled.

The following Apple Pay payment methods are covered in this article:

IDNameCredit/Debit State
298AppleVisaDepositAuthorisedByProvider (13)
CapturedByProvider (27)
300AppleECMCDepositAuthorisedByProvider (13)
CapturedByProvider (27)
364AppleMaestroDepositAuthorisedByProvider (13)
CapturedByProvider (27)
391AppleDiscoverDepositAuthorisedByProvider (13)
CapturedByProvider (27)
397Apple AMEX DepositAuthorisedByProvider (13)
CapturedByProvider (27)

Google Pay

The following Google Pay payment methods are covered in this article:

IDNameCredit/Debit State
413GoogleVisaDepositAuthorisedByProvider (13)
CapturedByProvider (27)
414GoogleECMCDepositAuthorisedByProvider (13)
CapturedByProvider (27)
415GoogleMaestroDepositAuthorisedByProvider (13)
CapturedByProvider (27)
416GoogleDinersDepositAuthorisedByProvider (13)
CapturedByProvider (27)

Payment method interaction type: Synchronous Execution (see Interaction Types)

State Diagram

The below state diagram applies to all Apple and Google Pay deposit methods as listed above.

629629

Redirect Integration

Currently not supported.

Backend2Backend Integration

The following table contains the fields to be sent in specificPaymentData section of the request:

key (value type, account type, required)value
PaymentDescription
(string, requried)
Text describing the deposit method
PaymentDescriptionLanguageCode
(string, requried)
Two letter language: ex. "en"
ThreeDSecureCheckResult
(int, requried)
Always provide "4" in the request
ThreeDSecureCAVV
(string, requried)
ThreeD secure data, provided by Apple
ThreeDSecureECI
(string, requried)
ThreeD secure data, provided by Apple. For MC deposits if it's not provided by the provider, value should be '02'

The following table contains the fields to be sent in specificPaymentAccountData section of the request:

key (value type, account type, required)value
CardNumber
(string, requried)
User's card number
ExpiryMonth
(int, requried)
Card expiry month
ExpiryYear
(int, requried)
Card expiry year

Example initiatePaymentRequest (AppleVisaDeposit):

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
    <merchantID>KalixaAcceptDEMO</merchantID>
    <shopID>KalixaAcceptDEMO</shopID>
    <merchantTransactionID>9d9f2bd1-bdc0-4746-b1ac-j5gessd23</merchantTransactionID>
    <paymentMethodID>298</paymentMethodID>
    <amount currencyCode="EUR">10</amount>
    <userID>usertsani</userID>
    <userIP>127.0.0.1</userIP>
    <userSessionID>af1d6858-aab5-4ff2-875f-203c785fc9df</userSessionID>
    <creationTypeID>1</creationTypeID>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescription</key>
            <value>VISA Payment</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescriptionLanguageCode</key>
            <value>en</value>
        </data>
        <data xsi:type="keyIntValuePair">
            <key>ThreeDSecureCheckResult</key>
            <value>4</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>ThreeDSecureCAVV</key>
            <value>jLRabyR3C2QaABEAAFHSuWJ7w5g=</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>ThreeDSecureECI</key>
            <value>05</value>
        </data>
    </specificPaymentData>
    <paymentAccount>
        <specificPaymentAccountData>
            <data xsi:type="keyStringValuePair">
                <key>CardNumber</key>
                <value>4111111111111111</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryMonth</key>
                <value>1</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryYear</key>
                <value>2020</value>
            </data>
        </specificPaymentAccountData>
    </paymentAccount>
</initiatePaymentRequest>

Example initiatePaymentResponse (AppleVisaDeposit):

<initiatePaymentResponse xmlns="http://www.cqrpayments.com/PaymentProcessing" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <payment xsi:type="paymentWithPaymentAccount">
        <merchantID>KalixaAcceptDEMO</merchantID>
        <shopID>KalixaAcceptDEMO</shopID>
        <paymentMethod>
            <key>298</key>
            <value>AppleVisaDeposit</value>
        </paymentMethod>
        <merchantTransactionID>9d9f2bd1-bdc0-4746-b1ac-j5gessd23</merchantTransactionID>
        <paymentID>64bd669b-85f8-4cc7-82f2-47a732aa38bc</paymentID>
        <userID>usertsani</userID>
        <paymentProvider>
            <key>92</key>
            <value>CQRUK</value>
        </paymentProvider>
        <amount currencyCode="EUR">10</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>302f5f44-1af6-47a0-836f-5ef919020aa8</id>
            <definition>
                <key>13</key>
                <value>AuthorisedByProvider</value>
            </definition>
            <createdOn>2019-03-05T09:05:00.7401631Z</createdOn>
            <description>Approved or completed successfully</description>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseCode</key>
                    <value>0</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ApprovalCode</key>
                    <value>131185</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>true</isExecuted>
        <baseAmount currencyCode="EUR">10</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>AccountBalanceCurrencyCode</key>
                <value>EUR</value>
            </detail>
            <detail xsi:type="keyDecimalValuePair">
                <key>AccountBalanceAmount</key>
                <value>150.01</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>11339795</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>cdf92860-4c93-4fbb-8c42-532fed695f26</paymentAccountID>
            <details>
                <detail xsi:type="keyStringValuePair">
                    <key>MaskedNumber</key>
                    <value>************1111</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountOwnerToken</key>
                    <value>214d8a0e-a34d-45fb-86fd-c3a93a6f9f9e</value>
                </detail>
                <detail xsi:type="keyIntValuePair">
                    <key>ExpiryMonth</key>
                    <value>1</value>
                </detail>
                <detail xsi:type="keyIntValuePair">
                    <key>ExpiryYear</key>
                    <value>2020</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>HolderName</key>
                    <value>TEST1</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>CardType</key>
                    <value>Visa</value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>

Example initiatePaymentRequest (AppleECMCDeposit):

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
    <merchantID>KalixaAcceptDEMO</merchantID>
    <shopID>KalixaAcceptDEMO</shopID>
    <merchantTransactionID>9d9f2bd1-bdc0-4746-b1ac-gh34hywas</merchantTransactionID>
    <paymentMethodID>300</paymentMethodID>
    <amount currencyCode="EUR">10</amount>
    <userID>usertsani</userID>
    <userIP>127.0.0.1</userIP>
    <userSessionID>af1d6858-aab5-4ff2-875f-203c785fc9df</userSessionID>
    <creationTypeID>1</creationTypeID>
    <specificPaymentData>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescription</key>
            <value>hi</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>PaymentDescriptionLanguageCode</key>
            <value>en</value>
        </data>
        <data xsi:type="keyIntValuePair">
            <key>ThreeDSecureCheckResult</key>
            <value>4</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>ThreeDSecureCAVV</key>
            <value>jLRabyR3C2QaABEAAFHSuWJ7w5g=</value>
        </data>
        <data xsi:type="keyStringValuePair">
            <key>ThreeDSecureECI</key>
            <value>02</value>
        </data>
    </specificPaymentData>
    <paymentAccount>
        <specificPaymentAccountData>
            <data xsi:type="keyStringValuePair">
                <key>CardNumber</key>
                <value>5472509295772840</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryMonth</key>
                <value>1</value>
            </data>
            <data xsi:type="keyIntValuePair">
                <key>ExpiryYear</key>
                <value>2020</value>
            </data>
        </specificPaymentAccountData>
    </paymentAccount>
</initiatePaymentRequest>

Example initiatePaymentResponse (AppleECMCDeposit):

<initiatePaymentResponse xmlns="http://www.cqrpayments.com/PaymentProcessing" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <payment xsi:type="paymentWithPaymentAccount">
        <merchantID>KalixaAcceptDEMO</merchantID>
        <shopID>KalixaAcceptDEMO</shopID>
        <paymentMethod>
            <key>300</key>
            <value>AppleECMCDeposit</value>
        </paymentMethod>
        <merchantTransactionID>9d9f2bd1-bdc0-4746-b1ac-gh34hywas</merchantTransactionID>
        <paymentID>2ed50134-3e97-4201-bb9d-8d6b3a5dbb15</paymentID>
        <userID>usertsani</userID>
        <paymentProvider>
            <key>92</key>
            <value>CQRUK</value>
        </paymentProvider>
        <amount currencyCode="EUR">10</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>9b762bd0-e719-4e2c-ae06-2aed647459cd</id>
            <definition>
                <key>13</key>
                <value>AuthorisedByProvider</value>
            </definition>
            <createdOn>2019-03-05T09:06:40.6181652Z</createdOn>
            <description>Approved or completed successfully</description>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>ProviderResponseCode</key>
                    <value>0</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>ApprovalCode</key>
                    <value>947103</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>true</isExecuted>
        <baseAmount currencyCode="EUR">10</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>AccountBalanceCurrencyCode</key>
                <value>EUR</value>
            </detail>
            <detail xsi:type="keyDecimalValuePair">
                <key>AccountBalanceAmount</key>
                <value>150.01</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>11339815</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>a5915277-2aac-4d34-98d3-5363baa32f59</paymentAccountID>
            <details>
                <detail xsi:type="keyStringValuePair">
                    <key>MaskedNumber</key>
                    <value>************2840</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountOwnerToken</key>
                    <value>d61b3c8d-9c70-415d-b2c5-5bc927a4b52e</value>
                </detail>
                <detail xsi:type="keyIntValuePair">
                    <key>ExpiryMonth</key>
                    <value>1</value>
                </detail>
                <detail xsi:type="keyIntValuePair">
                    <key>ExpiryYear</key>
                    <value>2020</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>HolderName</key>
                    <value>TEST1</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>CardType</key>
                    <value>Mastercard</value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>

Notifications

The notifications are sent according the card payment methods' integration manual. (see Card Payments)

Provider status codes

https://developer.apple.com/documentation/apple_pay_on_the_web/apple_pay_js_api/apple_pay_status_codes