To accept Apple Pay as a business, follow these steps:
- Choose a payment processor that supports Apple Pay. Most popular processors accept Apple Pay transactions at the same fees as regular credit cards.
- Get a near-field communication (NFC) card reader or payment terminal that supports contactless payments, including Apple Pay. You can also use Apple's Tap to Pay on iPhone, which allows you to accept payments directly on your iPhone without a separate reader.
- Set up your NFC reader or enable Apple Pay acceptance in your payment processor settings.
- For online sales, add an Apple Pay button to your checkout through your e-commerce platform or payment gateway (e.g., Shopify or Stripe).
- Inform customers you accept Apple Pay.
When customers pay, they hold their iPhone, Apple Watch, or other compatible devices near the NFC reader (or your iPhone if using Tap to Pay) until the transaction completes. No extra fees beyond regular card transaction fees apply, and if contactless payment hardware is already in use, no additional hardware purchase is needed. This applies whether in-store, online, or via mobile apps. Sources explain step-by-step setup and integration details for popular platforms and tools (Square, Shopify, Stripe) and how to enable the settings for Apple Pay acceptance.
