onmyway133
commented
6 years ago https://www.engadget.com/2014/10/02/apple-pay-an-in-depth-look-at-whats-behind-the-secure-payment/
Once a transaction is underway, the iPhone sends the token (which again, acts as a stand-in for the real credit card information) to the merchant which, in turn, sends it to the credit card network where it is mapped back to the corresponding credit card account that created it. The card network ultimately contacts the issuing bank for authorization. If the card is approved, the issuing bank sends a message all the way back down the line to the merchant indicating that all systems are go and the transaction can proceed.
https://www.raywenderlich.com/2113-apple-pay-tutorial-getting-started https://developer.apple.com/app-store/review/guidelines/#apple-pay https://developer.apple.com/library/archive/documentation/PassKit/Reference/PaymentTokenJSON/PaymentTokenJSON.html Apple Pay security and privacy overview https://support.apple.com/en-us/HT203027 https://medium.freecodecamp.org/how-apple-pay-works-under-the-hood-8c3978238324 https://applepaydemo.apple.com/ https://developer.apple.com/documentation/apple_pay_on_the_web