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Review the list of supported countries and regions for Apple Pay.

Cardholders can use Apple Pay wherever contactless payments are accepted, including at point of sale (for example, in stores), on the web, and in apps. Refer to Devices compatible with Apple Pay.

Yes, any financial institution on a network can enable Apple Pay.

Apple Pay supports credit, debit, pre‑paid, co‑badged, co‑branded, and private label cards. Issuers should contact their payment network operator (PNO) representative for details.

The tokenization service offered by card networks, token service provider (TSP), or trusted service manager (TSM) is the key to getting started with Apple Pay. Work with your payment network operator (PNO) to ensure this is available to you and in your country or region.

Technical requirements, testing, and certification vary by country/region and network. Contact your payment network operator (PNO) to get started.

You will need an Apple Account associated with your work email address to access Apple systems for launching Apple Pay. If your company has enabled federated authentication or has locked your company’s domain with Apple Business Manager, additional steps may be needed. You may need to identify the person in your company who manages your domain in Apple Business Manager to create a Managed Apple Account on your behalf. Your Apple Business Manager domain owner can refer to the Apple Business Manager User Guide for more information.

In addition to processing payments, you can help cardholders review balances and transactions and enable features including Pay with Rewards and Pay with Installments. Refer to Apple Pay features for issuers for more information.

Disputes and chargebacks for Apple Pay transactions are governed by payment network operator (PNO) policies. Issuers should contact their PNO for additional guidance as these may vary per market and transaction type.

Apple Pay is designed to be secure. Underpinned by issuer‑controlled verification, cryptographic validation, and biometric authentication to name a few, Apple Pay’s security measures are essential for helping to both keep data secure and prevent fraudulent activity before it happens.

Refer to Apple’s Fraud Protection for Issuers for information on Apple Pay fraud prevention and protection for issuers.

Privacy is a foundational element of the Apple Pay platform, which is designed to protect sensitive information at every step. When a cardholder pays with Apple Pay at point of sale, on the web, or in an app their actual card number is never shared with the merchant; instead, when a cardholder makes a purchase with Apple Pay, Apple Pay uses a device‑specific number and unique transaction code. Furthermore, Apple only processes the details necessary to facilitate the transactions for the cardholder — without retaining personal financial data linked to the cardholder.

Yes, certification requirements for Apple Pay vary by market. Certification mandates are administered by third‑party entities. Contact your payment network operator (PNO) for more information.

Yes, In‑App Provisioning is one of Apple Pay’s foundational features which allows a cardholder to add their payment cards to Apple Pay from an app. For more details, refer to the In‑App Provisioning feature.

Issuers should be ready to answer cardholder inquiries prior to launch by developing training materials and a customer care training program in preparation for launching Apple Pay. Issuers can request training materials from their payment network operator. Issuers can also link to or incorporate Apple’s publicly available support articles into their own support channels, including:

• Availability
• Setup
• Making purchases
• Security and privacy

Yes, during onboarding, Apple provides a robust marketing guide and ready‑made templates and assets to all issuers for promoting Apple Pay in communications to its cardholders.