Digital wallet payments

Overview

Digital wallets are a secure and convenient way for customers to pay for goods and services online. They allow customers to store their payment details securely and make payments without having to enter their card details each time. OnlinePay supports both Apple Pay and Google Pay™ for all payments except Virtual Terminal.

Both Apple Pay and Google Pay can be activated as payment methods in the OnlinePay dashboard. Once activated, customers can choose to pay using their preferred digital wallet at checkout or when making a payment using Pay by Link.

If you are already using OnlinePay's Hosted Checkout, once you activate Google Pay or Apple Pay as a payment method, it will be displayed in your shopping cart. When your customers choose to pay with a digital wallet, they are redirected to the wallet provider payment flow to finalise their purchase. Then, OnlinePay returns the transaction response/confirmation to you (the merchant).

Apple Pay digital wallet

Apple Pay is a digital wallet and mobile payment option developed by Apple Inc. It facilitates in-person payments, via iOS apps, and online. It is available on Apple devices such as iPhone, iPad, Apple Watch, and Mac.

Set up Apple Pay as a payment method

To add Apple Pay as a payment method for your checkout or Pay by Link, you can enable Apple Pay in the OnlinePay dashboard. Once enabled, customers can pay using Apple Pay on their Apple devices.

1. In the OnlinePay dashboard, navigate to Administration > Advanced Settings > Wallets.

2. Click Add new Wallet.

3. On the Create Wallet page, select the organisation you want to accept Apple Pay as a payment method.

4. Choose Apple Pay for Web as the wallet type.

5. Click Add Wallet to add Apple Pay to the list of available payment methods for the selected organisation.

   Apple Pay will be Active by default for all transactions except Virtual Terminal. Checkout merchants using the Checkout API will need to update their payload to send the Apple Pay object in the payment method.

Enable Apple Pay for use on merchant domains

To enable Apple Pay via your own domain and use it through the OnlinePay eCommerce API, you must verify your domain with Apple.

Domain verification must be in place before you can use Apple Pay via the OnlinePay eCommerce API.

For more information, see Preparing merchant domains for verification in the Apple Developer documentation.

1. In the OnlinePay dashboard, navigate to Administration > Advanced Settings > Wallets.

2. Click Add new Wallet.

3. On the Create Wallet page, select the organisation you want to accept Apple Pay as a payment method.

4. Choose Apple Pay for Web as the wallet type.

5. Enable the Enable Apple Pay for web via direct API checkbox.

6. Provide your Merchant URL for verification. This is the URL where Apple Pay will be used.

7. To enable Apple Pay via your own merchant domain, OnlinePay must be able to verify the domain with Apple. To do this, you must add a file to your domain. Click Download verifyDomain.txt to download the file.

8. Upload the file to the root directory of your domain at the following path for your domain:

   https://[DOMAIN_NAME]/.well-known/apple-developer-merchantid-domain-association

9. Click Add Wallet to add Apple Pay to the list of available payment methods for the selected organisation.

10. To confirm that the domain verification is successful, click Verify domain.

    If the verification is successful, the Apple Pay wallet status will change to Active. Checkout merchants using the Checkout API will need to update their payload to send the Apple Pay object in the payment method.

Google Pay digital wallet

Google Pay is a digital wallet platform and online payment system developed by Google. It allows users to make contactless payments in-app, online, and in-store from Android mobile devices. Google Pay can be used for all transactions except Virtual Terminal.

Set up Google Pay as a payment method

To add Google Pay as a payment method for your checkout or Pay by Link, you can enable Google Pay in the OnlinePay dashboard. Once enabled, customers can pay using Google Pay on their mobile devices.

1. In the OnlinePay dashboard, navigate to Administration > Advanced Settings > Wallets.

2. Click Add new Wallet.

3. On the Create Wallet page, select the organisation you want to accept Google Pay as a payment method.

4. Choose Google Pay as the wallet type.

5. Click Add Wallet to add Google Pay to the list of available payment methods for the selected organisation.

   Google Pay will be Active by default for all transactions except Virtual Terminal. Checkout merchants using the Checkout API will need to update their payload to send the Google Pay object in the payment method.