Issuer Features
Discover the benefits, enablement steps,
and resources to get started.
Pay with Rewards
Support easy reward redemption at checkout
Drive top‑of‑wallet preference and boost loyalty by offering cardholders the ability to redeem your card’s rewards — from miles and points to cashback — directly within the Apple Pay flow.1 Whether they are shopping in stores, on the web, or in apps on iPhone and iPad, presenting this option right at checkout with Apple Pay helps cardholders discover the alternative of paying with rewards exactly when it’s most relevant.
Cardholder experience
Pay with Rewards simplifies rewards redemption for cardholders at checkout, in a store, on the web, or in an app — using their eligible debit and credit card with Apple Pay on iPhone or iPad.
In‑store purchase flow
Web and in‑app purchase flow
Complete issuer control
With Pay with Rewards, issuers retain full ownership of their rewards program design, including:
- Reward balance
- Program type, such as miles, points, or cashback
- Reward conversion rates
- Program activities
- Fulfillment (via statement credit)
- Servicing
- Cardholder communications
Fraud protection
Apple Pay is built from the ground up with security and privacy at its core — helping provide another layer of protection against fraud to its issuer partners and its cardholders.
- Every transaction with Pay with Rewards requires biometric authentication through Face ID, Touch ID, or the cardholder’s passcode. This is designed so that only the cardholder can authorize the redemption of rewards with their card.
- Apple processes cardholder data to connect customers with their issuer and show them their available rewards balance. Apple does not retain personal financial data linked to the cardholder.
- The cardholder’s actual card number is never shared with merchants.
Learn more about Apple’s Fraud Protection for Issuers.
No merchant integration needed
Paying with rewards in Apple Pay is automatically available for all eligible merchants who already accept Apple Pay — no additional integration is needed.
Get started.
Enable Pay with Rewards
- Partner with us.
- Implement Pay with Rewards — either directly with Apple using APIs, or quickly and easily by partnering with one of the certified service providers below.
- For questions, contact Apple Pay Partner Support.
Explore the resources
The following resources are made available to issuers during onboarding:
- Issuer Functional Requirements (IFR)
- Pay with Rewards Functional Requirements
- Pay with Rewards technical documentation (API specifications, integration guide and testing guidelines)
Frequently asked questions
Pay with Rewards in Apple Pay allows cardholders to redeem their eligible card’s rewards, such as points, miles, or cash back, when making purchases in stores, on the web, or in an app. Cardholders have the flexibility to choose the redemption amount, applying rewards to cover the full purchase or a portion of it.
To find out where Pay with Rewards is available today, refer to Countries and regions that support Apple Pay.
Cardholders can use Pay with Rewards in Apple Pay across a variety of Apple devices:
- In stores, when paying with iPhone
- On the web and in apps, when paying with iPhone or iPad
Pay with Rewards in Apple Pay is not currently available on Apple Watch, Mac, or Apple Vision Pro.
If a cardholder is checking out with Apple Pay in a third‑party browser, they will scan the QR code with their iPhone to finalize their payment. On their iPhone, they can pay with rewards if the option is available in their market.
This feature can be enabled as part of a new or existing Apple Pay implementation. As with other Apple Pay features, Apple does not charge implementation fees for its enablement.
Yes, a cardholder can use the Pay with Rewards feature for a purchase that is smaller than their available rewards balance. In the Pay with Rewards flow in Apple Pay, the cardholder is able to enter an amount they want to redeem. This amount is governed by the rewards balance available to use.
No. Once a customer chooses the reward’s amount they want to redeem within the Apple Pay flow, they will need to complete their purchase in full with their eligible debit or credit card. Post purchase, the issuer will process and send a statement credit to the cardholder account for the redeemed reward amount.
Issuers remain in full control of their rewards programs, including all details, policies, and communications. Apple does not play a role in the management of the rewards programs.
No, merchants don’t need to do any additional integration work to accept your rewards when a cardholder redeems using your card in Apple Pay.
No. Just like any other Apple Pay transaction, Apple does not store transaction information that can be tied back to cardholders. Apple only processes the details necessary to present cardholders with their available rewards balance and connect them with their issuer.
Yes, cardholders who redeem rewards using Apple Pay can review comprehensive transaction details in Apple Wallet. This includes the specific rewards redemption applied to their purchase, a rewards transaction history showing past rewards redemptions, and a link to the issuer’s app or website.
In order to enable Pay with Rewards in Apple Pay for a card portfolio, issuers need to:
- Enable Apple Pay. Partner with us.
- Sign an Apple Pay agreement addendum.
- Implement the Pay with Rewards functional and technical requirements via Apple’s onboarding platform.
Join the Apple Pay platform.
More resources
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1. Paying with Rewards on Apple Pay: Rewards offered by the issuer. The full amount of the transaction will be charged to the cardholder’s card at the time of purchase and a statement credit for the redeemed reward amount will be applied to the account. This feature is subject to eligibility requirements, not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. The available rewards balance and other data shown in Apple Wallet may be delayed due to a variety of factors, including internet service. Available in‑store on iPhone, and online and in‑app on iPhone or iPad. Software requirements apply. For more eligibility and other feature details, refer to Pay with rewards using Apple Pay.
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In the US, Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
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Apple Pay is not available in all markets. View Apple Pay countries and regions.
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Features are subject to change. Some features, applications, and services may not be available in all regions or all languages and may require specific hardware and software.