{"id":58650,"date":"2025-11-24T08:30:00","date_gmt":"2025-11-24T07:30:00","guid":{"rendered":"https:\/\/www.centralpay.com\/?p=58650"},"modified":"2026-02-23T16:42:21","modified_gmt":"2026-02-23T15:42:21","slug":"apple-pay-via-qr-code-simplify-online-payments","status":"publish","type":"post","link":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/blog\/apple-pay-via-qr-code-simplify-online-payments\/","title":{"rendered":"How does Apple Pay via QR Code simplify online payments (even more)?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>Why is Apple Pay so popular with users (and merchants)?<\/strong><\/h2>\n\n\n\n<p>One in two Europeans owns an iPhone\u00b3. This widespread adoption has created a natural habit: if <g id=\"gid_0\">Apple Pay payment<\/g> is offered, users choose it spontaneously. A double tap, biometric verification, and the transaction is confirmed in less than 5 seconds.  <\/p>\n\n\n\n<p>Apple Pay is based on a three-pronged promise: ease of use, built-in security, and compliance with European requirements.<\/p>\n\n\n\n<p>Biometric authentication (Face ID or Touch ID) is coupled with tokenization and encryption via the <a href=\"https:\/\/support.apple.com\/fr-ca\/guide\/security\/sec2561eb018\/web\" target=\"_blank\" rel=\"noopener\">Secure Element<\/a> chip. A mechanism that fulfills the same function as 3DS 2.0 while respecting the requirements of Strong Customer Authentication (SCA), supported by PSD2.<\/p>\n\n\n\n<p>Result: an acceptance rate exceeding 98%\u2074, a very low fraud rate, and a deeply ingrained usage habit among users.<\/p>\n\n\n\n<p>On desktop, this fluidity is still rare. But for merchants, limiting themselves to mobile only would mean leaving out a significant portion of transactions, coming from more sedentary users. <\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ud83d\udd0e Did you know?<\/strong><br>Unlike cards saved in a browser, Apple Pay never transmits your actual card details. Each transaction relies on a unique token (Device Account Number) and a dynamic cryptogram, which is biometrically verified by the user. <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>How does Apple Pay work via QR code?<\/strong><\/h2>\n\n\n\n<p>Originally designed for mobile-only use, Apple Pay is now opening up to desktop thanks to a cross-device journey accessible from any computer or tablet, even outside the Apple ecosystem, thanks to the display of a QR Code.<\/p>\n\n\n\n<p>The principle remains very simple:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The user selects the checkout option with Apple Pay,<\/li>\n\n\n\n<li>A QR code appears on the screen,<\/li>\n\n\n\n<li>They scan it with their iPhone and confirm the transaction via Touch or Face ID.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>From a business perspective, the benefit is immediate: with Apple Pay via QR code, merchants can now simplify the purchasing process for Apple users buying from a computer. This is often associated with higher basket sizes (travel, equipment, appliances, etc.) but also with professional profiles or those accustomed to the convenience of desktop computers. <\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>How to integrate Apple Pay into your sales funnel?<\/strong><\/h2>\n\n\n\n<p>Integrating Apple Pay JS or Apple Pay via QR Code on desktop can be relatively technical, but native integrations in some PSPs offer much faster deployment.<\/p>\n\n\n\n<p>To guarantee an optimal experience, the merchant must:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dynamically detect Apple Pay availability based on device and browser,<\/li>\n\n\n\n<li>Provide a seamless fallback to another payment method if Apple Pay is unavailable (e.g., Google Pay, card, instant transfer),<\/li>\n\n\n\n<li>Orchestrate checkout by device to prioritize methods with high acceptance rates.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Apple Pay must therefore be integrated into an intelligent routing strategy, just like competing cards, instant transfers, or digital wallets.<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>Google Pay: A credible alternative?<\/strong><\/h2>\n\n\n\n<p>Google Pay, which became Google Wallet in most markets in 2024, offers a similar approach: web integration, tokenization, biometric authentication, and strong compatibility with the Android ecosystem and the Chrome browser, widely used on desktop.<\/p>\n\n\n\n<p>With nearly 250 million users in over 90 countries\u2075, the online payment solution covers a large audience, complementing iOS.<\/p>\n\n\n\n<p>From an user experience perspective, Google Wallet is a solid alternative. However, a few specific features make the experience less seamless than Apple Pay: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The display varies significantly depending on the mobile phone brand, Android version, and browser used,<\/li>\n\n\n\n<li>Some features, such as biometric authentication, are not always enabled,<\/li>\n\n\n\n<li>Web integration often requires more testing to cover specific Android\/Chrome scenarios.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>Towards a truly seamless cross-device payment experience?<\/strong><\/h2>\n\n\n\n<p>With the latest developments in iOS, Apple is gradually evolving its wallet into a truly cross-functional payment module, capable of accompanying the user on all their devices and in all their uses (one-off and recurring, online and in store\u2026).<\/p>\n\n\n\n<p>Recent developments include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pre-authorized payments<\/strong>: a single initial biometric validation then enables recurring transactions. A key advantage for subscription models <\/li>\n\n\n\n<li><strong>Using the Carte Bancaire (CB) network via Apple Pay<\/strong>: some French cards can now be routed through the CB network, allowing merchants to benefit from more competitive acceptance fees than Visa and Mastercard.<\/li>\n\n\n\n<li><strong>CDCVM (Consumer Device Cardholder Verification Method)<\/strong>: This native identification method via Face ID or Touch ID now allows contactless payments beyond the usual limits on compatible terminals in stores.<\/li>\n\n\n\n<li><strong>Passkeys and passwordless authentication<\/strong>: Integrated within the Apple ecosystem, they allow users to log in and pay using biometrics, without any identifier. A solution that addresses both user experience and phishing. <\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>By bringing Apple Pay to payment via QR Code, Apple further enhances the simplicity of the desktop shopping experience, which remains one of the most effective levers for transforming a purchase intention into a real transaction.<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/centralpay.dev.innovest.fr\/en\/centralpay-contact\/\" style=\"border-radius:15px\">Let&#8217;s talk \u279c<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u00b9 PYMNTS, Apple Pay&#8217;s 10-Year Journey and Its Next Decade of Decisions (2024)<\/p>\n\n\n\n<p>\u00b2 Statcounter, Desktop vs mobile vs tablet marketshare worldwide (2025)<\/p>\n\n\n\n<p>\u00b3 Statista, Apple Pay adoption in USA (2025)<\/p>\n\n\n\n<p>\u2074 Gr4vy, Optimizing payments for mobile wallets: Apple Pay, Google Pay, etc. (2025)<\/p>\n\n\n\n<p>\u2075 PYMNTS, Google Wallet Expands Availability of Age and Identity Features (2025)<\/p>\n\n\n\n<p>Image generated by artificial intelligence<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BlogPosting\",\n  \"name\": \"Apple Pay via QR Code : A new way to pay\",\n  \"headline\": \"How does Apple Pay via QR Code simplify online payments (even more)?\",\n  \"datePublished\": \"November 24, 2025\",\n  \"dateModified\": \"November 24, 2025\",\n  \"description\": \"Learn how Apple Pay via QR codes simplifies online payments, boots conversions and speeds up checkout across devices.\",\n  \"image\": {\n  \"@type\": \"ImageObject\",\n  \"height\": \"600\",\n  \"width\": \"1000\",\n  \"url\": \"https:\/\/centralpay.dev.innovest.fr\/wp-content\/uploads\/2025\/11\/Apple-Pay-via-QR-Code.jpg\"\n  },\n  \"author\": {\n  \"@type\": \"Person\",\n  \"name\": \"CentralPay\"\n  },\n  \"publisher\": {\n  \"@type\": \"Organization\",\n  \"name\": \"CentralPay\",\n  \"logo\": {\n  \"@type\": \"imageObject\",\n  \"url\": \"https:\/\/centralpay.dev.innovest.fr\/assets\/images\/logo.png\"\n  }\n  },\n  \"mainEntityOfPage\": true,\n  \"url\": \"https:\/\/centralpay.dev.innovest.fr\/en\/blog\/apple-pay-via-qr-code-simplify-online-payments\/\"\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>With over 744 million users worldwide\u00b9, Apple Pay has become a go-to online payment method, especially on mobile.<\/p>\n<p>While digital wallets are a major conversion driver on mobile, they remain largely underutilized on desktop (computer) devices, even though 35% of e-commerce purchases still take place there\u00b2. This represents a real area for optimization for merchants. <\/p>\n<p>But the arrival of Apple Pay via QR code, introduced with iOS 18, changes everything. A simple evolution for users, but with very real commercial impacts. <\/p>\n","protected":false},"author":5,"featured_media":58649,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[203],"tags":[],"class_list":["post-58650","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-the-experts-review"],"acf":[],"_links":{"self":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts\/58650","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/comments?post=58650"}],"version-history":[{"count":3,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts\/58650\/revisions"}],"predecessor-version":[{"id":61327,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts\/58650\/revisions\/61327"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/media\/58649"}],"wp:attachment":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/media?parent=58650"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/categories?post=58650"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/tags?post=58650"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}