# Apple Pay

Apple Pay
*Images courtesy of [Apple Developers](https://developer.apple.com/apple-pay/)*

Add Apple Pay to your [website](/guides/online-payments/digital-wallets/apple-pay/apple-pay-on-web) or [iOS application](/guides/online-payments/digital-wallets/apple-pay/apple-pay-on-ios) with the Finix API, so buyers can authorize payments with Touch ID or Face ID instead of entering card details.

## Why offer Apple Pay

- **Streamlined checkout:** Set Apple Pay as the default, prominent payment method to reduce cart abandonment and increase conversion.
- **Enhanced security:** Every transaction on the buyer's iPhone or iPad requires Face ID, Touch ID, or a passcode, which can be more secure than accepting card details directly.


## Requirements

Before you integrate Apple Pay, complete the following Finix and Apple requirements.

### Finix requirements

1. Create a [Finix API key](/additional-resources/developers/authentication-and-api-basics/api-keys).
2. Complete the [seller onboarding](/guides/platform-payments/onboarding-sellers) process. After approval, the seller has an [approved Merchant](/guides/platform-payments/onboarding-sellers/seller-onboarding-process).


### Apple requirements

1. Review Apple Pay's [Acceptable Use Policy](https://developer.apple.com/apple-pay/acceptable-use-guidelines-for-websites/).
2. Serve your website over HTTPS with a valid SSL certificate and TLS support. To confirm your server meets the requirements, see the [Apple Pay server guidelines](https://developer.apple.com/documentation/apple_pay_on_the_web/setting_up_your_server).
3. Create an [Apple Developer Sandbox account](https://developer.apple.com/help/app-store-connect/test-in-app-purchases/create-a-sandbox-apple-account/).
4. Log in to this developer account through iCloud on your Mac.
5. Use Apple Pay test card numbers from the [Apple Developer website](https://idmsa.apple.com/IDMSWebAuth/signin?appIdKey=891bd3417a7776362562d2197f89480a8547b108fd934911bcbea0110d07f757&path=%2Faccount%2F&rv=1).


## Choose a Merchant identifier value

The `merchantIdentifier` value corresponds to a merchant identity beginning with a prefix `IDxxx`. There are two options for which value to pass in.

### Application owner Identity ID (default)

If the Apple Pay button is hosted on your domain, use your application Identity ID. This flow is common when a single website hosts all of your checkout flows.

This is the default option for Direct Merchants and most Platforms. You can find the application owner Identity ID from the [`merchant.identity`](/api/merchants/getmerchant#merchants/getmerchant/t=response&c=200&path=identity) field on the Merchant you use to process payments.

### Merchant owner Identity ID

If you are a Platform that hosts websites on custom URLs, provide the owner Identity of your merchants. For example, a Platform that creates a website for each of its sellers on a custom URL uses this value. Finix recommends reaching out to your Finix point of contact if your flow fits this criterion.

## Learn more

Apple Pay on iOS
Accept Apple Pay in your iOS application using Finix.

Apple Pay on web
Accept Apple Pay on your website using Finix.