Mobile Payments

Apple Pay

Apple Pay is Apple's tokenized device wallet, available on every iOS device and in Safari on macOS. Card data is replaced by a device account number issued by the card network, so raw PANs never reach the merchant or Parapay. The buyer authenticates with Face ID, Touch ID or the device passcode, which counts as strong customer authentication under PSD2. Apple Pay transactions clear on the underlying card network — settlement, refund and chargeback flows are identical to a regular card capture.