Stripe users can accept Apple Pay in iOS applications in iOS 9 and above, and on the web in Safari starting with iOS 10 or macOS Sierra. There are no additional fees to process Apple Pay payments, and the pricing is the same as other card transactions.
Apple Pay is compatible with most Stripe products and features (for example, subscriptions). Use it to accept payments for physical or digital goods, donations, subscriptions, and more (you can’t use Apple Pay instead of in-app purchases though).
Apple Pay is available to cardholders at participating banks in supported countries. Refer to Apple’s participating banks documentation to learn which banks and countries are supported.
Using Stripe and Apple Pay versus in-app purchases
Apple Pay doesn’t replace Apple’s In-App Purchase API. You can use any of Stripe’s supported payment methods and Apple Pay in your iOS app to sell physical goods (for example, groceries and clothing) or for services your business provides (for example, club memberships and hotel reservations). These payments are processed through Stripe and you only need to pay Stripe’s processing fee.
Apple’s developer terms require their In-App Purchase API be used for digital “content, functionality, or services,” such as premium content for your app or subscriptions for digital content. Payments made using the In-App Purchase API are processed by Apple and subject to their transaction fees.
Accept Apple Pay
Stripe offers a variety of methods to add Apple Pay as a payment method. For integration details, select the method you prefer:
You can use Apple Pay tokens to create one-off payments or subscriptions. For repeat purchases that aren’t related to a subscription, Stripe recommends that you create single-use tokens. Your customer must authenticate with the Apple Pay payment sheet each time—attempting to reuse payment information for a non-subscription payment can result in it being declined.
Testing Apple Pay
Stripe test card information can’t be saved to Wallet in iOS. Instead, Stripe recognizes when you’re using your test API keys and returns a successful test card token for you to use. This allows you to make test payments using a live card without it being charged.