How to get refund from apple pay

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Additional information

Consumers

1. Apple Pay works on multiple consumer devices, being the iPhone, iPad, Apple Watch and Mac. Apple provides information on their website with regards to which devices and operating system versions support Apple Pay. 
2. Consumers can use Apple Pay if the card they use to pay with supports Apple Pay. Apple provides an overview of issuers (banks) that support Apple Pay on their website.
3. Once a consumer has added her/his debit and/or credit card to the Apple Pay app, it will be tokenized and get a Device PAN (DPAN) which will be used for payments.
4. Apple Pay on the Web can only be used in the Safari browser and only with Apple devices.

Payment processing

1. You can only use Worldline to offer the purchase of physical goods or services (like taxi services, clothing, airline tickets) via Apple Pay, as described on Apple’s website. Purchases for digital goods (such as in-game items, premium app content or subscription services) should use In-App purchases as the method of payment.
2. You do not pay an additional fee to use Apple Pay. The regular transaction costs and the card transaction fees apply for Apple Pay transactions.
3. On your invoice the transactions for Apple Pay will be aggregated under the card scheme your consumer used. So, if a consumer paid using a MasterCard from their Apple Wallet, you will see the transaction being counted under MasterCard.
4. Apple Pay is only supported via Connect and only on the GlobalCollect platform.
5. Not all payment products are available across all acquirers, please ask your Worldline representative for availability.
6. The payment product ID 302 is used for Apple Pay. We will define which card network is used to route the transaction to the right acquirer. So, you can see the following payment products as well:
   • 302 Apple Pay-Visa
   • 303 Apple Pay-Mastercard
   • 304 Apple Pay-American Express
   • 305 Apple Pay-Discover

Assets and Apple's guidelines

1. The Apple Pay Marketing Guidelines are described on the website Apple. You can download the Apple Pay Mark on this page.
2. Apple provides clear and useful guidelines with regards to the usage of Apple Pay in the Human Interface Guidelines.
3. For Apple Pay on the Web Acceptable Use Guidelines are available on the website of Apple.

References

Apple Pay is offered in a Full Service model. This means that we take care of the collection and reporting of the funds. Status changes that affect the financial position (like refunds and payments) will be reported in our standard reports, as described in the reporting section.

Refunds

Apple Pay card payments can be refunded upon requested to the card used to make the original transaction. The request can be made through the payment console or via an API call. It is also possible for a transaction whilst in the process of being refunded to still be reversed and a chargeback made by the consumer. The issuing bank will only accept the claim in cases where the refund hasn’t been fully processed.

Refunds can only be accepted if:

• the original transaction was collected through us
• The refund value does not exceed 100% of the value of the original transaction.
• The merchant category code is not 7995 (Betting (including Lottery Tickets), Casino Gaming Chips, Off-Track Betting and Wagers). 7995 refunds can only be made via a bank transfer or, for payouts merchants can request a CFT/OCT account.

A few general rules apply:

• We may reject refund requests if the value of the refund exceeds 100% of the value of the collected transactions.
• A refund can be initiated (submitted) as individual transaction, online through the payment console or via an API request.
• Refunds have to be accompanied with the original transaction reference number.

Partial refunds

When a partial refund needs to be applied, the lower amount can be send within the API-call or through the payment console. Partial refunds are often used when multiple products/services are bought by the consumer and one of the products or services is returned.

• Recurring payments are not supported
• Payouts are not supported
• AVS and 3D Secure are not needed

NextAdditional information

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