# 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)](https://docs.zotlo.com/welcome/merchant-of-record) and [Connected PSP models](https://docs.zotlo.com/welcome/connect-your-psp), 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).

{% hint style="info" %}
**Note :** Apple Pay will not appear unless the domain is fully verified and activated, and Apple Pay is enabled in the chosen interface.
{% endhint %}

## **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.