Apple Pay (Australia)
Country: Australia (AU) | Payment Rail: digital_wallet
MobilePayment
Market Adoption: 60%
Apple Pay is Australia's leading mobile payment service with 60%+ contactless penetration, enabling biometric-authorized tap-and-pay using Visa, Mastercard, and EFTPOS cards.
🔄 User Payment Flow
- Customer double-clicks iPhone side button or uses Face ID at checkout
- Customer selects saved Visa / Mastercard / EFTPOS card
- Biometric authentication completes instantly
- Tokenized NFC or in-app payment is processed and merchant receives confirmation
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | NO |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant gateway (Stripe / Adyen / Checkout.com) requests Apple Pay session
- PSP decrypts Apple Pay token with issuing Australian bank
- PSP confirms real-time authorization and completes order
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Checkout.com🔌 Stripe🔌 Adyen