Skip to main content
Apple Pay is available to cardholders at participating banks in supported countries. For more information, refer to Apple’s participating banks documentation.

​
Payment Method Details

Customer locationsWorldwide (varies by bank participation)
Supported currenciesAll currencies
Recurrent payments✓
Manual capture support✓
Refunds✓
Supported processorsStripe Braintree Unlimit

​
Billing Address

When a customer completes payment with Apple Pay, PayNext captures the billing address from the wallet and submits it to the payment processor.

​
3DS and Authentication

Apple Pay handles 3D Secure differently than standard card payments. Authentication is embedded directly in the wallet experience.

​
How It Works

  1. First payment (CIT): The customer authenticates using Face ID, Touch ID, or passcode. Apple Pay generates a 3DS cryptogram automatically—no challenge screen appears. This initial establishes the authentication chain for future charges.
  2. Recurring payments (MIT): All subsequent charges use exemptions. The card networks recognize the original CIT authentication and allow off-session payments without additional 3DS.
  3. 3RI not supported: Apple Pay does not support (3D Secure Requester-Initiated) flows. The wallet architecture relies on MIT exemptions rather than re-authenticating for each recurring charge.