Mobile wallets
Apple Pay
Tokenized contactless payments on iPhone and Apple Watch
Apple Pay works on every contactless-enabled Surfboard terminal and on online checkout out of the box.
About Apple Pay
Apple Pay is a mobile wallet that tokenizes the customer's underlying credit or debit card. From a merchant perspective, it processes as a card transaction with the issuing bank's network, but with stronger biometric authentication and higher authorization rates. Surfboard supports Apple Pay across every contactless terminal and on hosted/embedded online checkout.
When to enable Apple Pay
Always enable. Apple Pay drives higher online conversion, faster in-store checkout, and works on every Surfboard terminal that accepts contactless. There's no reason not to accept it.
Customer base
iPhone and Apple Watch users. In some markets (US, Nordics, UK), Apple Pay represents 30%+ of contactless transactions.
What merchants build with Apple Pay
Common use cases where partners and merchants enable this method through Surfboard.
Faster contactless checkout in retail
Higher conversion rates on online checkout
Tap to Pay on iPhone — accept Apple Pay without dedicated hardware
Subscription and recurring billing
Unattended self-checkout flows
How to accept Apple Pay on Surfboard
Apple Pay runs on the same Payment Methods system as every other method on Surfboard. Enable it per merchant, store, or terminal — through the portal or the API, no re-deployment required.
Enable in the portal or via API
Partners flip Apple Pay on for their merchants in the Partner Portal, merchants enable it for their own stores in the Merchant Portal, and developers can do the same programmatically through the Payment Methods API. Surfboard handles scheme registration where required.
Available everywhere
Becomes available immediately on the channels Apple Pay supports — in-store terminals, online checkout, SoftPOS, and unattended where applicable.
One settlement
Apple Pay transactions roll into the same settlement reports as every other payment method on the platform — no separate reconciliation pipeline.
