Flow of Apple Pay In-App Transactions Processed Using Merchant Decryption {#applepay-inapp-txn-merchant-decrypt}
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This diagram illustrates the flow of in-app transaction processing using merchant decryption.

#### Figure:

In-App Transaction Processing with Merchant Decryption  
![In-App Processing with Merchant Decryption](/content/dam/new-documentation/documentation/en-us/topics/payments-processing/card-processing/applepay/images/api-method.png/jcr:content/renditions/original)

1. When the customer chooses to pay with Apple Pay, you use the Apple PassKit Framework 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.
   * 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 the [Payment Token Format Reference](https://developer.apple.com/library/archive/documentation/PassKit/Reference/PaymentTokenJSON/PaymentTokenJSON.md#//apple_ref/doc/uid/TP40014929-CH8-SW1 "") article in the Apple Pay Developer Documentation.
4. Using the `Cybersource` API, you submit the authorization request and include the decrypted payment data.
5. `Cybersource` forwards the information to the payment network, which includes your processor and the relevant payment card company. IMPORTANT
   You must use the ` Business Center ` or one of the ` Cybersource ` API services to capture, credit, or void the authorization.