Frequently Asked Questions

12. Frequently Asked Questions

How does Apple Pay work?
Apple Pay encrypts any credit/debit cards added to an Apple Wallet on supported Apple devices. Apple Pay assigns a device-specific tokenized credit card number called a DPAN that CellPoint Digital will use to process transactions.

Which currencies does Apple Pay support?
Any currencies that you can process on your Apple Pay-supported processor(s).

What are the fees on Apple Pay transactions?
There will be no additional standard fees beyond the standard fees described in your processing agreement with CellPoint Digital. Volume pricing is available.

Which card types are supported?
Visa, MasterCard, American Express and Discover are supported for Apple Pay. For additional information on customer availability, please click here.

Who is the merchant of record?
As the seller, you will be the merchant of record for the purchase.

How will I identify Apple Pay payments in the Control Panel?
Apple Pay cards will appear as a new payment instrument with its own associated logo.

How are disputes handled?
The payment instruments behind Apple Pay are credit or debit cards, and so chargebacks will look and behave the same as any other credit card chargeback on your account.

Is recurring billing supported?
Yes, Apple Pay cards can be used to process recurring transactions.

Is vaulting supported?
Apple Pay cards can be vaulted, but we recommend vaulting only for split shipment and recurring transactions, as Apple Pay cryptograms cannot be reused.

How does fraud checking (AVS/CVV) work with Apple Pay?
Since Apple uses a tokenization system to encrypt card information and reduce the risk of fraud, CVV and AVS are not necessary for use with Apple Pay.