Apple Pay

Apple Pay allows customers to complete payments quickly using their saved cards on Apple devices. Zotlo supports Apple Pay in both Merchant of Record (MoR) and Connected PSP models, depending on your PSP’s capabilities.

This page explains setup requirements, domain verification, supported platforms, and activation steps.

Availability Requirements

Apple Pay is shown at checkout only when the customer meets Apple’s requirements:

• Device: iPhone, iPad, Mac, or Apple Watch

• Browser: Safari

• Region: Apple Pay–supported country

• Card: Supported card network (Visa, Mastercard, Amex, etc.)

Zotlo automatically hides Apple Pay if any requirement is not met.

Activation Required

Apple Pay is not enabled by default. To activate Apple Pay for your project:

1. In the Zotlo Dashboard, add the domain(s) where you want to use Apple Pay and submit an activation request.

2. Complete domain verification:

   • Hosted checkout / Sales Links: Zotlo performs verification on your behalf.

   • Embedded checkout: You must upload the Apple verification file to your website.

3. Wait for Zotlo to complete Apple Pay configuration.

4. After activation is finalized, enable Apple Pay in the specific sales interface you want to use (embedded checkout or hosted options).

Note : Apple Pay will not appear unless the domain is fully verified and activated, and Apple Pay is enabled in the chosen interface.

Domain Verification

Apple Pay policies require every domain that uses Apple Pay to be verified.

Hosted checkout / Sales Links: Zotlo completes domain verification for you. No action is required on your side.

Embedded checkout: You must upload the verification file provided by Zotlo to your website at: /.well-known/apple-developer-merchantid-domain-association

Once the domain is verified, it becomes eligible for Apple Pay.

Apple Pay in MoR

Merchant of Record (MoR)

• Apple Pay processing is handled by Zotlo

• Authentication and device validation are managed automatically

• Availability depends on Apple + region rules

• No technical setup other than domain verification

Connected PSP

• Apple Pay availability depends on whether your PSP supports it

• Processing and authentication follow your PSP’s rules

• Domain verification still required

• Settlement flows directly to your PSP merchant account

Zotlo automatically routes Apple Pay payments through whichever model you are using.

When to Use Apple Pay

Apple Pay is ideal when you want:

• The fastest possible checkout flow

• Higher mobile conversion

• Lower friction for returning users

• Reduced failed payments (device + biometrics authentication)

Apple Pay can significantly increase conversion in mobile-heavy funnels.