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tap-to-pay-on-iphone

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Original

English
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Translation

Chinese

Tap to Pay on iPhone — Skill

Tap to Pay on iPhone — 技能参考

What is Tap to Pay on iPhone?

什么是 Tap to Pay on iPhone？

Tap to Pay on iPhone lets payment apps accept contactless payments — from contactless credit/debit cards, Apple Pay, Apple Watch, and other digital wallets — directly on an iPhone, with no external terminal or hardware required. Transactions are encrypted and processed via the Secure Element; Apple never sees what is purchased or who buys it.
Beyond payments, Tap to Pay also supports:
  • Card validation without charging — adding a card on file for recurring payments, or looking up a previous purchase for refunds without a receipt.
  • NFC loyalty/discount/points cards — reading Apple Wallet passes independently of, or alongside, a payment transaction. Merchants can also prompt Apple Pay customers to join their loyalty program during checkout.
Tap to Pay on iPhone 允许支付应用直接在 iPhone 上受理非接触式支付——支持非接触式信用卡/借记卡、Apple Pay、Apple Watch 及其他数字钱包——无需外部终端或硬件。交易通过 Secure Element 进行加密和处理；Apple 不会知晓购买内容或购买者信息。
除支付外，Tap to Pay 还支持：
  • 无扣费卡片验证——将卡片存档以用于定期支付，或无需收据即可查询过往购买记录以便退款。
  • NFC 会员卡/折扣卡/积分卡——可独立于支付交易，或在支付交易同时读取 Apple Wallet 凭证。商家还可在结账时提示 Apple Pay 用户加入其会员计划。

Integration Steps (for app developers)

集成步骤（面向应用开发者）

Building Tap to Pay into a payment app follows five steps:
  1. Choose a PSP that supports Tap to Pay on iPhone in the target region. The PSP processes payments and provides the certified terminal configuration loaded onto the merchant's device. See 
    references/regions-and-psps.md
    for the full list.
  2. Request the entitlement from Apple via the Tap to Pay on iPhone Entitlement Request Form.
  3. Integrate the ProximityReader API (
    import ProximityReader
    ) and/or the PSP's SDK into the app. API docs: ProximityReader.
  4. Follow the Human Interface Guidelines for Tap to Pay on iPhone: HIG.
  5. Submit the app for review. Ensure compliance with the App Review Guidelines: Payments.
在支付应用中集成 Tap to Pay 需遵循以下五个步骤：
  1. 选择 PSP：选择在目标地区支持 Tap to Pay on iPhone 的支付服务提供商（PSP）。PSP 负责处理支付，并提供加载到商家设备上的已认证终端配置。完整列表请参阅 
    references/regions-and-psps.md
    。
  2. 申请权限：通过 Tap to Pay on iPhone 权限申请表单 向 Apple 申请权限。
  3. 集成 ProximityReader API：在应用中集成 ProximityReader API（
    import ProximityReader
    ）和/或 PSP 的 SDK。API 文档：ProximityReader。
  4. 遵循人机界面指南：遵循 Tap to Pay on iPhone 的 人机界面指南（HIG）。
  5. 提交应用审核：确保符合 应用审核指南：支付条款。

ProximityReader API — Key Concepts

ProximityReader API — 核心概念

The 
ProximityReader
framework provides:
  • PaymentCardReader
    — presents the system payment sheet showing amount, merchant name, and category icon; reads contactless payment cards.
  • PaymentCardReadResult
    — the encrypted payment data returned to the PSP for processing.
  • Loyalty pass reading — can read NFC passes independently of, at the same time as, or instead of a payment card.
The PSP is responsible for all certifications and security requirements. The developer's responsibility is to integrate the API correctly, handle the results, and hand them off to the PSP's backend.
ProximityReader
框架提供以下功能：
  • PaymentCardReader
    ——显示系统支付界面，展示金额、商家名称和类别图标；读取非接触式支付卡。
  • PaymentCardReadResult
    ——返回给 PSP 进行处理的加密支付数据。
  • 会员卡凭证读取——可独立于支付卡、与支付卡同时，或替代支付卡读取 NFC 凭证。
PSP 负责所有认证和安全要求。开发者的职责是正确集成 API、处理结果并将其提交至 PSP 的后端系统。

Merchant Setup (no code needed)

商家设置（无需代码）

For a merchant to start accepting Tap to Pay, they:
  1. Download a supported payment app from the App Store.
  2. Accept terms and conditions on-device.
  3. Enable their device to be configured (provisioned by the PSP).
  4. Start accepting payments immediately.
商家若要开始使用 Tap to Pay 受理支付，需完成以下步骤：
  1. 从 App Store 下载支持的支付应用。
  2. 在设备上接受条款和条件。
  3. 启用设备配置（由 PSP 完成配置）。
  4. 立即开始受理支付。

Payment Flow — How Transactions Work

支付流程——交易运作方式

  1. Merchant opens the payment app and enters the purchase amount.
  2. The system payment sheet appears showing amount, merchant name, and category icon.
  3. The customer holds their contactless card horizontally, or their iPhone/Apple Watch/other device, near the top of the merchant's iPhone (the tap area).
  4. A "Done" checkmark confirms the transaction is complete.
  1. 商家打开支付应用并输入购买金额。
  2. 系统支付界面弹出，显示金额、商家名称和类别图标。
  3. 顾客将非接触式卡水平放置，或将其 iPhone/Apple Watch/其他设备靠近商家 iPhone 的顶部（感应区域）。
  4. 出现“完成”对勾标记，确认交易完成。

PIN Entry

PIN 码输入

Some markets (especially in Europe) require Online or Offline PIN for certain card types. Tap to Pay on iPhone supports PIN entry with built-in accessibility options — audible instructions guide the customer to draw or tap their PIN. If a card cannot complete a contactless PIN transaction, the merchant should ask for an alternative card or digital wallet.
部分市场（尤其是欧洲）对特定类型的卡片要求在线或离线 PIN 码。Tap to Pay on iPhone 支持内置无障碍选项的 PIN 码输入——语音提示引导顾客绘制或点击输入 PIN 码。若卡片无法完成非接触式 PIN 码交易，商家应要求顾客更换其他卡片或数字钱包。

Marketing Guidelines

营销指南

When marketing Tap to Pay on iPhone, these rules apply (see 
references/marketing-guidelines.md
for full details):
  • Always use the full name "Tap to Pay on iPhone" — never shorten to "Tap to Pay" and never include "Apple" in the name.
  • Only use Apple-approved marketing assets from the official Toolkit.
  • Do not create custom videos, illustrations, photography, or stock imagery depicting the feature.
  • Do not create illustrations or icons depicting iPhone or Tap to Pay on iPhone.
  • All PR announcements mentioning Tap to Pay on iPhone must be submitted to Apple for review before publishing (allow several weeks).
  • Only market when the feature is in full general availability in your app.
推广 Tap to Pay on iPhone 时，需遵循以下规则（详细内容请参阅 
references/marketing-guidelines.md
）：
  • 始终使用完整名称 "Tap to Pay on iPhone"——切勿缩写为"Tap to Pay"，也切勿在名称中加入"Apple"。
  • 仅使用 Apple 官方工具包中认可的营销素材。
  • 请勿创建描绘该功能的自定义视频、插图、照片或图库图片。
  • 请勿创建描绘 iPhone 或 Tap to Pay on iPhone 的插图或图标。
  • 所有提及 Tap to Pay on iPhone 的公关公告在发布前必须提交给 Apple 审核（请预留数周时间）。
  • 仅当该功能在您的应用中全面正式可用时方可进行推广。

Key Resources

核心资源

ResourceLink
ProximityReader APIhttps://developer.apple.com/documentation/ProximityReader/
HIG for Tap to Payhttps://developer.apple.com/design/human-interface-guidelines/technologies/tap-to-pay-on-iphone/
Design Templatehttps://developer.apple.com/design/resources/#technologies
Entitlement Requesthttps://developer.apple.com/contact/request/tap-to-pay-on-iphone/
Apple Wallet Integrationhttps://developer.apple.com/wallet/
App Review Guidelineshttps://developer.apple.com/app-store/review/guidelines/#payments
Cashier Guide (PDF)https://developer.apple.com/tap-to-pay/files/Tap-to-Pay-on-iPhone-Cashier-Guide-July2023.pdf
Merchant FAQhttps://support.apple.com/guide/apple-business-connect/abcb71e19fc3/web
资源链接
ProximityReader APIhttps://developer.apple.com/documentation/ProximityReader/
Tap to Pay 人机界面指南（HIG）https://developer.apple.com/design/human-interface-guidelines/technologies/tap-to-pay-on-iphone/
设计模板https://developer.apple.com/design/resources/#technologies
权限申请表单https://developer.apple.com/contact/request/tap-to-pay-on-iphone/
Apple Wallet 集成https://developer.apple.com/wallet/
应用审核指南https://developer.apple.com/app-store/review/guidelines/#payments
收银员指南（PDF）https://developer.apple.com/tap-to-pay/files/Tap-to-Pay-on-iPhone-Cashier-Guide-July2023.pdf
商家常见问题https://support.apple.com/guide/apple-business-connect/abcb71e19fc3/web

Reference Files

参考文件

  • references/regions-and-psps.md
    — Full list of countries and supported PSPs with SDK links. Read this when the user needs to know which PSPs are available in a specific country.
  • references/marketing-guidelines.md
    — Detailed marketing dos and don'ts, toolkit access, and asset types. Read this when the user is planning marketing campaigns.
  • references/regions-and-psps.md
    — 包含所有支持的国家/地区及对应 PSP 列表，附 SDK 链接。当用户需要了解特定国家/地区可用的 PSP 时，可参阅此文件。
  • references/marketing-guidelines.md
    — 详细的营销注意事项、工具包访问方式及素材类型说明。当用户规划营销活动时，可参阅此文件。