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