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when using Apple Pay, create and sign an Apple Pay certificate to make payments using the corresponding section in the IPS Assist Personal Account;

when using Google Pay, you should register with Google Pay API to get a MerchantID for use it as MerchantID parameter, set gateway=”assist” and specify allowedCardAuthMethods = ["CRYPTOGRAM_3DS"] to organize the scheme for encrypting a data packet with a token or allowedCardAuthMethods = ["PAN_ONLY", "CRYPTOGRAM_3DS"], if you also need to accept payments with non tokenized cards that saved in Google account.