> ## Documentation Index
> Fetch the complete documentation index at: https://docs.gr4vy.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Apple Pay

<img src="https://mintcdn.com/gr4vy/jCFeFdffXM43huI0/assets/images/apple-pay/hero.png?fit=max&auto=format&n=jCFeFdffXM43huI0&q=85&s=7faa72baf68641bef3e74dcf16450257" alt="Apple Pay" width="1544" height="639" data-path="assets/images/apple-pay/hero.png" />

Apple Pay is supported both on the web and in iOS apps. In both environments, Apple Pay can be
integrated using the SDK and without the SDK.

## Prerequisites

To enable Apple Pay transactions, the system is directly integrated with Apple. As a result,
it transmits decoded device tokens to payment services instead of encrypted gateway tokens.
Please note that not all payment services support decoded Apple Pay tokens, and they
may require this feature to be activated.

Contacting your payment service provider to enable this feature is recommended.

## Web (Embed)

On the web, Apple Pay can be easily integrated both with and without Embed. In both offerings, the need to sign up for an Apple Developer account has been removed, reducing additional financial and maintenance costs.

| | [Using SDK (Embed)][web] | [Without SDK][web-without] |
| - | - | - |
| Apple Developer account required? | No | No |
| Apple merchant account required? | No | No |
| Customization & Theming? | Limited | Full |
| Domain association required? | Yes | Yes |
| Integrated with Checkout Flow? | Yes | Optional |

## Mobile (iOS)

On mobile apps, Apple Pay can be easily integrated both with and without the SDK. In both offerings, signing up for an Apple Developer account and creating an Apple merchant ID and
processing certificate is required.

| | [Using SDK][mobile] | [Without SDK][mobile-without] |
| - | - | - |
| Apple Developer account required? | Yes | Yes |
| Apple merchant account required? | Yes | Yes |
| Customization & Theming? | Limited | Full |
| Domain association required? | No | No |
| Integrated with Checkout Flow? | Yes | Optional |

## Recurring payments

Recurring payments are supported on Apple Pay in a similar way to how
[recurring payments][recurring-payments] are supported for regular card payments.

1. Take the first payment with the Apple Pay token and `store: true`, with `merchant_initiated` and
   `is_subsequent_payment` set to `false` and a `payment_source` such as `recurring`. This stores the
   Apple Pay payment method.
2. Charge later payments with the stored payment method `id`, the same `payment_source`, and
   `merchant_initiated` and `is_subsequent_payment` set to `true`.

A stored Apple Pay payment method has no cryptogram, because the cryptogram only exists for the original
payment on the buyer's device. Later payments rely on the recurring flags and the scheme transaction ID
from the first payment instead, so payment services may decline a later payment that's sent with the
flags of a first payment.

<Warning>
  To facilitate recurring Apple Pay payments, your payment service provider needs to
  support decoded Apple Pay tokens as well as recurring payment flags. Please contact your
  payment service provider to enable this feature.
</Warning>

[web]: /guides/features/apple-pay/web

[web-without]: /guides/features/apple-pay/web-without-sdk

[mobile]: /guides/features/apple-pay/ios

[mobile-without]: /guides/features/apple-pay/ios-without-sdk

[recurring-payments]: /guides/features/recurring-payments


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