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SCMP API | Banque de France et Tresor Public

Web Transactions Using Merchant Decryption

  1. When the customer chooses to pay with Apple Pay, you use the Apple Pay JavaScript to request the encrypted payment data from Apple.
  2. Apple uses the Secure Element to create a
    payment token
     and encrypt the token’s
    payment data
     before it sends your application using the
    onpaymentauthorized
     callback function.
    The
    payment token
     is the
    PKPaymentToken
     structure.
    The
    payment data
     is the
    paymentData
     field of the
    PKPaymentToken
     structure.
  3. You forward the encrypted payment data to your order management system to decrypt. For information on decryption, see:
  4. Using the
    Cybersource
     API, you submit the authorization request and include the decrypted payment data. See Using the Merchant Decryption Method.
  5. Cybersource
     forwards the information to the payment network, which includes your processor and the relevant payment card company.
    IMPORTANT
    Use the Business Center or one of the
    Cybersource
     API services to capture, credit, or void the authorization. Refer to the
    Payments Developer Guide
     guide (see Related information below) for information.