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Apple Pay transactions are available to Canadian integrations only.

Apple Pay Configuration

Apple Pay is making their way into the market and it’s important to understand the options available to merchants when integrating Apple Pay to apps and websites. Moneris Solutions offers two processing and integration methods for Apple Pay. Merchants can choose to use a Software Development Kit (SDK) or an API. While both methods provide the same basic functionalities, below will outline differences between each and how to choose which method is right for you.


For both API and SDK methods of integration, the merchant’s app or website uses Apple’s Passkit Framework to request and receive encrypted payment details from Apple. When payment details are returned in their encrypted form, they can be decrypted and processed in one of two ways: SDK or API.

Step 1 Merchant’s app or website requests and receives the encrypted payload.
Step 2 Encrypted payload is sent to the merchant’s server, where it is decrypted.
Step 3 Moneris Gateway receives the decrypted payload from the merchant’s server, and processes the transaction similar to a normal credit or debit transaction.
Step 1 Merchant’s app requests and receives the encrypted payload.
Step 2 Encrypted payload is sent from the merchant’s server to the Moneris Gateway, and the payload is decrypted and processed.


An API works to provide a communication link between the merchants’ server and Moneris’ server. API’s are required to complete any transaction, and therefore the API for Apple Pay is also included within an SDK. If the merchant chooses to use only an API the merchant must decrypt payload information themselves before sending the decrypted information to the Moneris Gateway to be processed. Because this process is complicated, Apple recommends only businesses with expertise and a previously integrated payment processing system use APIs instead of SDKs.


SDKs are ready-to-install kits containing APIs as well as additional tools for development. SDKs contain the tools to develop the standard features merchants require. These include features like purchase, pre-authorization, independent refund, completion* and void* transactions. During transactions, merchants that choose to use an SDK only pass along the encrypted payload they receive from Passkit to the Moneris Gateway. Moneris then decrypts and processes the transaction. This method makes the transaction process simple for the merchant, and is therefore well suited for small to medium sized businesses.

Both methods of integration are equally secure for the customer, as well as the merchant. Merchants and developers should determine which method is more appropriate for their app.

*completion and void transactions will be supported, but no data is required from PassKit and the transaction should be implemented on the merchants server.