Apple Pay (UAE)
Country: United Arab Emirates (AE) | Payment Rail: digital_wallet
MobilePayment
Market Adoption: 65%
Apple Pay is the UAE's most adopted mobile payment service, enabling instant biometric-authorized checkout for iOS users using Visa, Mastercard, and local cards.
🔄 User Payment Flow
- Customer taps Apple Pay button at checkout on iPhone or Mac
- Customer selects saved UAE bank card (Visa / Mastercard / local debit)
- Customer authenticates via Face ID or Touch ID
- Tokenized payment is processed instantly and merchant receives confirmation
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | NO |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant API requests Apple Pay session from gateway (Stripe / Adyen / Tap / Checkout.com)
- PSP decrypts Apple Pay token with UAE issuing bank
- PSP confirms real-time authorization and completes order
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Checkout.com🔌 Tap Payments🔌 HyperPay🔌 PayTabs🔌 Stripe🔌 Adyen