What’s new in Wallet and Apple Pay

Payments, Order tracking, and Identity

Payments:

  • Apple Pay Later
    • 2023 US introduction – 4 separate payments – trackable in Wallet, New API is used for support of Apple Pay Later for both Apps and on the Web
  • Learn ore will provide details and explanation, the calculator review will show the 4 payments split, etc.
  • For the web you use and Apple JavaScript SDK
  • You must have an entitlement in your app or register your site to use this feature
  • Preauthorized payments
    • Enabled in iOS 16, have added deferred payments, along with recurring and automatic reload payments.
    • They support both fixed or variable amounts… can be used for preordering an item or for booking a reservation 
    • This is tied to the user’s account, not their device
    • You will need an Apple Pay merchant token
    • Cancellation policies must contain date, time and Timezone
  • Transfer Funds with Apple Pay
    • This is a new feature with iOS17, this will allow users to transfer money from Apple Pay account to a card in their wallet.
    • There is a new request type, that uses minimal amount of data.
    • You need to register as a merchant in the Apple Developer Portal
    • PKPaymentNetwork and PKMerchantCapability show the network and features supported.
    • PKDisbursementSummaryItem represents the final amount to be received on the card (net charges and fees)
    • A PKDisbursementRequest is the new transaction
    • This also supports Instant Funds Transfers from some institutions
    • This is only available for iOS and iPadOS – not the web or macOS

Order Tracking:

  • Introduced in iOS16, in 16.4 you can share orders in messages and an order tracking widget, with support for maps.
  • System Integration
    • shippingType to support carriers
      • You can indicate if it is being shipped or delivered
    • You can associate  with enterprise apps to improved tracking
  • Enhancements
    • Adding new ways to represent payment information, attach receipts, describe if purchase or refund.
  • New ways to add Orders
    • New API to check for an existing order, add or update and order and respond as appropriate
    • You use FinanceKit API for these features
    • This Is also enabled for web via the Javascript SDK

Identity:

  • IDs were enabled in iOS 15.4 – Added verify Waller last year in iOS16
  • Adding Tap to Present ID on iPhone, this builds on top of tap to pay from iPhone
  • Your app can request verification of specific ID data, and the user is able to decide if they are willing to present the information.
  • The system is wireless and secure – at no point does the user have to hand over the device to send the information
  • The system is cryptographically signed by the appropriate government or enterprise system so it cannot be tampered with.
  • And the system is more private as you only share the required data needed for the verification.
  • The types of requests include –
    • Display request – for things like Age or Name
    • Data request – for a wider set of elements, which are returned to the requesting app and requires an additional entitlement