VANTIV ECOMMERCE AND APPLE PAY™ FAQS
This document is provided to answer some common questions about
Vantiv eCommerce’s support for Apple Pay. If you have additional
questions or need clarification of any answers contained in this
document, please contact your Customer Experience Manager.
General Topics
Question: What is Apple Pay?
Answer: Apple Pay is an in-store and in-app (mobile) payment
method providing a secure process for consumers to
purchase goods and services.
Question: How does Apple Pay work?
Answer: Consumers will load their card information (Visa,
MasterCard, or American Express) to Apple Pay, similar to
setting-up a digital wallet. In-store purchases are done by
using Near Field Communication (NFC) technology built into
the iPhone 6 with any NFC-enabled terminal at the retail
POS. For in-app purchases, the consumer need only select
Apple Pay as the payment method in your application. You
will need to modify your application to use Apple Pay as a
payment method.
Question: Does Apple Pay support Discover cards?
Answer: Not at this time.
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Vantiv ECommerce and Apple Pay™ FAQs
General Topics
Question: When will Apple Pay be available?
Answer: Apple Pay will be available on the iPhone 6 and iPhone 6
Plus sometime in October, after the release of a free
upgrade to iOS 8.
Question: How much will Apple Pay cost?
Answer: Apple will not charge consumers or merchants. Apple will
receive an undisclosed amount per transaction from either
the issuing bank, the card networks, or both.
Question: Are there different requirements for a PayFac?
Answer: No. Accepting Apple Pay will work the same for a PayFac as
a traditional merchant.
Question: What is an Apple Pay PKPaymentToken?
Answer: The PKPaymentToken is an encrypted data package created
by the Apple Pay server using your public key. This package
contains several components including the network token
and a cryptogram.
Question: What is the cryptogram?
Answer: The cryptogram returned by Apple Pay is a component of
the PKPaymentToken that is unique to the transaction and
acts as a security key. It is 40 characters in length and
created using the merchant’s public key supplied to Apple
during the merchant registration process.
Question: What is a network (aka EMVCo) token?
Answer: A network token is a surrogate value for a PAN that is
between 13 and 19 digits (typically format preserving) and
is MOD-10 compliant (passes Luhn check). All network
tokens will use BIN ranges designated for tokens and never
overlap or conflict with a real PAN.
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Vantiv iQ Topics
Vantiv ECommerce and Apple Pay™ FAQs
Question: What is EMVCo?
Answer: EMVCo is an organization, originally established by Europay,
MasterCard, and Visa, that "...exists to facilitate worldwide
interoperability and acceptance of secure payment
transactions. It accomplishes this by managing and evolving
the EMV® Specifications..." (from www.EMVCo.com).
Question: Is Apple Pay an alternative payment method (similar
to PayPal) with conveyed transaction fees?
Answer: Yes and no. Apple Pay is similar to PayPal to the extent that,
as with many PayPal transactions, Apple Pay uses a
credit/debit card to complete the transaction. Unlike PayPal,
Apple Pay is not involved in the settlement. The transaction,
after Apple Pay returns the PKPaymentToken, is virtually
identical to any credit card transaction. This means, for Visa
and MasterCard transactions, Vantiv performs the
settlement, while American Express transactions are
conveyed.
Question: I am strictly a card-not-present merchant without an
iOS native mobile application. Can customers use
Apple Pay on my site?
Answer: No. Apple Pay in its current form does not support website
purchases. Consumers can only use Apple Pay at properly
equipped Point-of-Sale locations and in iPhone 6 mobile
applications designed to interact with Apple Pay.
Vantiv iQ Topics
Question: When handling a consumer question, can my
Customer Service Representatives use the last 4 digits
of the network token to search for transactions in iQ?
Do I need other information about the
customer/transaction to perform a search?
Answer: We will add the capability to search by the last 4 digits of
the network token in 2015. You will have to supply the
Method of Payment and the Purchase Amount. This is the
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Vantiv ECommerce and Apple Pay™ FAQs
Value Added Services Topics
same info required when you search by the last 4 digits of a
card.
Question: I currently see the last 4 digits of the card in some of
my Scheduled Secure Reports (e.g., Net Settled Sales
by Transaction report). What will I see for Apple Pay
transactions?
Answer: For Apple Pay transactions you will see the last 4 digits of
the network token.
Question: Can my employees, with appropriate permissions, be
able to access the PAN (for Apple Pay transactions) in
Vantiv iQ?
Answer: No. Card network regulations forbid the passing of PAN data
for (network) tokenized cards.
Value Added Services Topics
Question: I am already using the Vantiv eCommerce Vault (i.e., I
am a Vantiv tokenized merchant). How will my tokens
interact with Apple Pay?
Answer: The Vantiv eCommerce Vault will operate as it does now.
The only difference is that you will receive a tokenized
version of the network token for Apple Pay transactions. This
allows you to maintain a consistent tokenization scheme
across your systems.
Question: Will I be charged a token registration fee for the
conversion of network tokens?
Answer: Yes.
Question: If I use the Vantiv Mobile API for Apple Pay are there
additional associated fees?
Answer: Yes. You will be changed the standard fee for the use of the
PayPage feature.
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Value Added Services Topics
Vantiv ECommerce and Apple Pay™ FAQs
Question: As a tokenized merchant I normally receive the BIN
and last 4 digits of the card in the LitleXML response
message. Will I continue to receive this information
for Apple Pay transactions?
Answer: You will receive the BIN and the last 4 digits of the network
token.
Question: Will Recovery (Account Updating and Recycling) work
with Apple Pay transactions?
Answer: Yes. Recovery will work the same as with a regular card
transaction.
Question: Will Recurring Engine work with Apple Pay
transactions?
Answer: Yes. The operation of the Recurring Engine is the same for
Apple Pay as a regular card transaction.
Question: Will Fraud Toolkit work with Apple Pay transactions?
Answer: Because our Fraud Toolkit examines your transactions using
many different data points, we are still determining which
fraud tools will be applicable for Apple Pay transactions.
Question: Will Insights work with Apple Pay transactions?
Answer: We are still determining which Insights data points will be
applicable for Apple Pay transactions.
Question: With tokens, I can detokenize (get PAN data back
from Vantiv) if I ever leave Vantiv, or sell a business
unit. Can I detokenize Apple Pay/network tokens?
Answer: No. The Apple PKPaymentToken is only used to transmit the
encrypted data to you and/or Vantiv. The network token is
generated and controlled by the card networks. Currently,
the card networks have not specified a method for the
detokenization of network tokens.
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Vantiv ECommerce and Apple Pay™ FAQs
Other Topics
Question: If I use the Vantiv Mobile API for Apple Pay, am I
required to use the Vantiv Vault (i.e., Vantiv
tokenization)?
Answer: Yes. The Vantiv Mobile API for Apple Pay makes use of
Vantiv PayPage functionality. You are required to be a
Vaulted merchant (i.e. tokenized) to use PayPage.
Other Topics
Question: I am a current Vantiv eCommerce merchant, primarily
CNP, but with a few physical locations. Does Vantiv
eCommerce support both CNP and POS transactions
using Apple Pay?
Answer: Full support for CNP transactions using Apple Pay will be in
place by mid-January 2015. Please refer to the Vantiv
eCommerce Apple Pay Solution document for additional
information.
Support for Apple Pay in-store transactions on the Vantiv
eCommerce platform is planned for 2015.
Question: If I use either of the Vantiv solutions for Apple Pay
that do not make use of the Vantiv Mobile API for
Apple Pay, do I need to become a Vaulted merchant
(i.e., use Vantiv tokenization)?
Answer: No.
Question: Do I have to sign any amendments to my current
Vantiv contract to accept Apple Pay transactions?
Answer: No, unless your contract does not include the use of
PayPage/Vault and you choose to make use of the Vantiv
Mobile API for Apple Pay.
Question: Do you have an estimate of the amount of coding
required to use each of the three implementation
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Other Topics
Vantiv ECommerce and Apple Pay™ FAQs
methods discussed in the Vantiv eCommerce Solution
for Apple Pay document?
Answer: Each solution has some associated coding requirements. The
actual extent of the coding is difficult to estimate, since each
case/merchant will be different. For example, if you are
already making use of the Vantiv Mobile API, additional
coding to submit Apple Pay transactions to Vantiv would be
small. On the other hand, if you currently use an older
version of LitleXML coding requirements would be greater.
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