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MasterCard Digital Enablement Service
®
For Merchants
FAQ: WHAT MERCHANTS NEED
TO KNOW ABOUT APPLE PAY
™
On September 9, Apple announced the launch of
Apple Pay, a mobile payment and digital wallet service
that lets users make payments using their iPhone 6,
iPhone 6 Plus, iPad Air 2 and iPad mini 3. Apple Pay
leverages the MasterCard Digital Enablement Service
to deliver a more secure payment experience by protecting
card credentials and digital transactions via tokenization
and EMV-like cryptography.
Apple Pay will soon allow millions of consumers to pay
in store with a tap of their iPhone, or in-app with the touch
of a button. Growth in mobile payments may be significantly
accelerated by this development. MasterCard is available
to help merchants to capitalize on this new functionality
in mobile payments and ensure the best possible
consumer experience.
Q: What is MasterCard’s role in Apple’s announcement
of Apple Pay?
A: Apple Pay will enable MasterCard cardholders to use their
iPhone 6, iPhone 6 Plus, iPad Air 2 and iPad mini 3 for everyday
purchases. Consumers will load a digital version of their
MasterCard card and use their devices to simply and securely
make purchases using MasterCard contactless or within a mobile
app. MasterCard has built the foundation to enable these
transactions so consumers can use their cards when, where,
and how they want.
MasterCard has worked closely with Apple to provide
technology that will deliver a seamless consumer payment
experience. When consumers use an eligible MasterCard in the
Apple Pay environment, their credentials are stored in the form
of a token on their mobile device via the MasterCard Digital
Enablement Service. Each transaction is protected by the token
credential and EMV-like cryptography that only MasterCard can
decrypt during the transaction authorization.
Q: What is the Apple Pay consumer experience?
A: Consumers will be able to load their eligible MasterCard credit
or debit card directly into the iPhone 6, iPhone 6 Plus, iPad Air 2
and iPad mini 3 for a mobile payment experience with EMVlevel security. Once a MasterCard is stored on these devices,
consumers can use them for secure payment transactions. For
Apple Pay payments in stores that accept contactless payments,
consumers can use the iPhone 6 and iPhone 6 Plus. For Apple
Pay in-app purchases, consumers can use the iPhone 6, iPhone 6
Plus, iPad Air 2 and iPad mini 3. The security of every purchase is
enhanced by our network with all of the same rights, guarantees
and benefits as any other MasterCard transaction
Contactless transactions using the iPhone 6 or iPhone 6 Plus
leverage Near Field Communications (NFC) to connect these
devices to the merchant terminal, allowing consumers to
simply tap their device on any contactless-enabled terminal,
authenticate their fingerprint through Touch ID or via a
passcode, to complete their transaction. In-app purchases will
also leverage the EMV-based advanced security, as well as
fingerprint or passcode authentication.
MasterCard Digital Enablement Service
®
For Merchants
Q: What makes Apple Pay secure?
Q: What MasterCard Issuers are participating?
A: Apple Pay uses the MasterCard Digital Enablement
Platform to offer a layered approach leveraging
current and emerging authentication measures and
dynamic data to influence acceptance and account
for ongoing adoption challenges:
A: Cardholders will be able to use their eligible
MasterCard consumer credit or debit cards from
Bank of America, Capital One, Citi and Wells
Fargo through Apple Pay starting October 20th.
Cardholders with an eligible MasterCard consumer
credit or debit card from Barclaycard, USAA, PNC,
Navy Federal Credit Union, US Bank, Fifth Third,
First Hawaiian, First National Bank of Omaha, First
Niagara, Key Bank, Silicon Valley Bank, SSFCU,
SunTrust and Synchrony Financial, among many
others will be able to use Apple Pay in the coming
months. MasterCard is also working with its
extended customer base, and to date, has signed
hundreds of issuing partners whose consumer
credit and debit cards will soon be capable of
being loaded into Apple Pay for simple, secure,
everyday payments.
»» Tokenization—Since the physical card is not used
in the transaction, the consumer does not risk
their physical card number being stolen in theft
schemes that involve reading the number at the
point of sale. Individual primary account number
(PAN) data stays with the network and banks.
»» Cryptography — EMV-like technology extends
the security of dynamic data to mobile devices and
device-based transactions. Leverages MasterCard’s
Digital Secured Remote Payment (DSRP) for
remote e-commerce transactions.
»» Biometrics — Use of fingerprint as an
authentication method.
Q: How can merchants accept Apple Pay contactless
transactions at point of sale or Apple Pay in-app?
A: Retail partners:
»» Any merchant with enabled contactless terminals
(NFC enabled) is able to accept Apple Pay
»» Currently there are over 220,000 U.S. merchant
locations that accept MasterCard contactless
payments
In-app partners:
»» Merchants that wish to use Apple Pay in-app need
to work with their payment providers to integrate
the payment feature using Apple’s SDK
»» For more information on the integration
requirements for Apple Pay in-app payment
functionality and a list of active payment
providers, please visit:
developer.apple.com/apple-pay/
mastercard.us/merchants/digital_secure_
remote_payment.html
For more information regarding the MasterCard Digital Enablement Service, please contact your
MasterCard account representative.
©2014 MasterCard. Proprietary and Confidential. MasterCard is a registered trademark of MasterCard International Incorporated.
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