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Easy Apple Pay Integration into iOS Apps via Stripe

Easy Apple Pay Integration into iOS Apps via Stripe

Apple Pay is one of the most popular contactless payment technologies that has been built for Apple devices. iPhone and Apple Watch users can save their credit and debit cards on their devices and can pay to the merchants using their devices instead of a card.

As we all know, it’s an Apple product so, there is no need to worry about security. Apple Pay is protected from Apple’s FaceID and FingerPrint technology. In addition, this virtual Apple wallet is made using advanced technologies, ensuring secure, quick and fast transactions. Users owing iPhone or Apple Watch can pay in two ways- Near Field Communication (NFC) and iOS app.

If you are planning to build an application for iOS and want to integrate your own NFC payment app, of course, you can do through the most popular payment gateway- Stripe. Now the question comes in mind, what is Stripe?

Apple Pay Integration into iOS Apps

Stripe, a US-based technology company that allows individuals and businesses to make and receive payments over the Internet. A Stripe account that you can create multiple times for your businesses or products. Each account has its own payments, users and dashboard.

This is article is everything you need to know about how to integrate Apple Pay on your stripe account, how it works, how to set it up, which banks support it and where you can use it.

What Is Apple Pay?

Apple Pay is a digital payment service designed to streamline the entire payment system. It allows you to pay the merchants for goods by just moving your iPhone over a contactless reader. Apple Pay has almost replaced the use of tradition payment systems such as physical cards or enter a Pin.

The most interesting figure showing the popularity of Apple Pay as in the US, over 75 per cent of stores and restaurants accept payment through Apple Pay, whereas over 85 per cent of merchants accept payment through Apple Pay in the UK. Australia is supported by 99% of its stores and restaurants.

Read Also: How to Integrate Payment Gateway in a Mobile App?

How Stripe Works With Apple Pay in iOS apps

Integrating Apple Pay with Stripe in iOS apps is very easy as Stripe’s iOS SKD makes it easy to accept Apple Pay. However, it also supports regular credit card payments. But first of all, you have to enroll in the Apple Developer Program and set up Stripe on your server and in your app. Next, follow these steps:

  • Register for an Apple Merchant ID
  • Create a new Apple Pay certificate
  • Integrate with Xcode
  • Check if Apple Pay is supported
  • Create the payment request
  • Present the payment sheet
  • Submit the payment to Stripe

Integrating Apple Pay with Stripe in iOS apps is very easy as Stripe’s iOS SKD makes it easy to accept Apple Pay. However, it also supports regular credit card payments. But first of all, you have to enroll in the Apple Developer Program and set up Stripe on your server and in your app. Next, follow these steps:

Steps of Integrating Apple Pay In Your iOS App

  1. Create your Apple Developer account

To sign up as an organization or as an individual, you have to create your Apple Developer Account first to set Apple Pay. Enrolling as an organization or as an individual requires information about the organization and developer.

  1. Create a Merchant ID

After that, you need to create a merchant ID following simple steps. Just click the plus sign, enter your name, and click Continue and Register.

  1. Set up a project

To set up your project, you have to open your project and change the Bundle Identifier to one that you have already created. Next move to the Capabilities tab, select the Apple Pay section and turn it ON. After that click on the checkbox that matches the merchant ID, you have created. Now your Apple Pay is ready to use.

  1. Implement the “Pay with Apple Pay” button

You need to follow Apple’s guidelines to design “Pay with Apple Pay” in-app button. You can also use resources for creating the Apple Pay Button on the official Apple Developer website. You can also integrate Apple Pay into your website.

Now let’s take a look at the Apple Pay API.

  • How to use the Apple Pay API

PassKit Framework is used to work with Apple Pay and it requires necessary classes that work with Apple Pay. Thus, when a user makes any payment you need to create PKPaymentRequest and PKPaymentAuthorizationViewController objects. PKPaymentRequest is Apple Pay’s object that corresponds to the payment.

let request = PKPaymentRequest()

let applePayController = PKPaymentAuthorizationViewController(paymentRequest: request)

self.presentViewController(applePayController, animated: true, completion: nil)

  • How to handle payment requests

Next, you have to set up the PKPaymentAuthorizationViewControllerDelegate for processing user actions in PKPaymentAuthorizationViewController. Two methods will be required to make it:

paymentAuthorizationViewController(controller:didAuthorizePayment:completion:)

paymentAuthorizationViewControllerDidFinish(controller:)

The first method is called when the purchase is initiated, while the second method is called when the payment for purchase is completed. The process implementation may look like this:

func paymentAuthorizationViewController(_ controller: PKPaymentAuthorizationViewController, didAuthorizePayment payment: PKPayment, handler completion: @escaping (PKPaymentAuthorizationResult) -> Void) {

completion(PKPaymentAuthorizationResult(status: .success, errors: nil))

}

func paymentAuthorizationViewControllerDidFinish(_ controller: PKPaymentAuthorizationViewController!) {

 dismiss(animated: true, completion: nil)

 }

Conclusion-

It is very easy to integrate Stripe SDK with iOS apps. The digital payment system with secure components is essential for making payment system easier and safe. If you are new or don’t have technical knowledge, then you can hire experienced mobile app developer or contact renowned mobile app development company.

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About author

Ravikant Chouhan, soft by nature and creative by mind. Being an Engineer specialized in Computer Science, he carries similar curiosity for both; technical world and automobile industry. He keeps himself indulged in discovering new things and with this passion and the vast knowledge attained by him has helped the company to grow at a faster pace.
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