{"id":13638,"date":"2019-01-15T11:01:29","date_gmt":"2019-01-15T10:01:29","guid":{"rendered":"https:\/\/www.intellias.com\/?p=13638"},"modified":"2025-07-10T13:08:38","modified_gmt":"2025-07-10T10:08:38","slug":"integrating-apple-pay-and-google-pay-services-for-contactless-payment-processing","status":"publish","type":"post","link":"https:\/\/intellias.com\/integrating-apple-pay-and-google-pay-services-for-contactless-payment-processing\/","title":{"rendered":"Integrating Apple Pay and Google Pay Services for Contactless Payment Processing"},"content":{"rendered":"

Business challenge<\/h2>\n

Our client is a fully digital Germany-based bank that\u2019s a pioneer in banking solutions and applications. The first bank to introduce digital-only banking services<\/a> to the DACH market, our client is one of the world\u2019s most innovative banks, breaking new ground not only in banking but in the entire FinTech industry.<\/p>\n

Traditional banks no longer meet the needs of today\u2019s customers. Our client is part of the fast-evolving digital revolution and is building a bank of the future. Bringing openness and transparency to financial services, our client aims to make banking convenient, user-friendly, and accessible for end customers. In addition to next-generation banking services, our client\u2019s offerings include crowdfunding, cryptocurrency trading, instant money transfers to social media and phone contacts, social lending, and eWallets.<\/p>\n

\"Integrating<\/p>\n

<\/h3>\n

Payment processing became much more convenient with the arrival of contactless mobile payment solutions. Today, customers can tap and pay using their credit cards, smartphones, and wearables.<\/p>\n

Both Apple and Google have already introduced contactless payments via phones for their users\u2019 comfort and for faster transactions. And given the increasing popularity of such services among consumers, banks worldwide have started to adopt the technology.<\/p>\n

When we started working together, Apple Pay was still just on its way to Germany. Our client wanted to become one of the first adopters of this technology. Known as a disrupter in the banking market in the DACH region, the company decided to accelerate the digital transformation of the banking industry and meet their clients\u2019 needs with contactless mobile payments.<\/p>\n

Integrating Apple Pay and Google Pay, which have been rolling out globally at a rapid pace, is an emerging challenge for banks and retailers due to the strict implementation demands and security and regulatory requirements. Our client asked for our expert help to integrate Apple Pay and Google Pay.<\/p>\n

Both Google Pay and Apple Pay come with a set of standard requirements that financial institutions must meet if they wish to offer these mobile payment services. These standards allow Google and Apple to make sure their services work flawlessly no matter the provider.<\/p>\n

Based on previous successful cooperation with Intellias, our client turned decided to establish a partnership with us again to smoothly implement contactless payment services.<\/p>\n

Technology solution<\/h2>\n

Together with our client\u2019s team, Intellias experts focused on improving the backend of the entire Apple Pay and Google Pay integration.<\/p>\n

Consumers can use Apple Pay and Google Pay by registering a credit or debit card in a mobile wallet or a customized banking app. These wallet apps require third-party SDK providers, digital directories, or payment processors and card issuers like uPaid and petaFuel to activate Apple Pay and Google Pay services. Intellias, a reliable technology and consulting company, helps businesses implement multiple payment services into a single app.<\/p>\n

We integrated Apple Pay as follows:<\/h4>\n

Apple required our client to implement specific functionality in order to offer Apple Pay services. We helped our client do that.<\/p>\n

Intellias experts enabled two activation options \u2014 via a wallet app and via the client\u2019s banking app<\/a> (in-app provisioning). To initiate Apple Pay integration, we aligned the banking app\u2019s functionality with Apple\u2019s requirements, which are divided into 11 primary categories:<\/p>\n