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1. The buyer selects the product or service on the online store site and presses the Apple Pay button (it is available only in Safari browser on the MacOS platform).
2. After pressing the Apple Pay button the Apple Pay API is called through the Apple Pay and the certificate with the merchant public key is transmitted. At the same time, a special dialog opens, where the buyer can select one of the cards added to the Apple Pay mobile app.
3. After selecting the card, a PUSH notification is sent to the iPhone of the buyer and the buyer is asked to apply a finger to the reader to confirm the payment.
4. Apple Pay app creates an encrypted package with a token and payment data and returns it to online store page script.
5. The encrypted packet with the token and payment data is sent to the IPS Assist TokenPay service.
6. The IPS Assist decrypts the packet with the token and payment data.
7. The IPS Assist performs payment by a token through the processing of a settlement bank.
8. The IPS Assist returns the results of payment to the online store.

When you pay by the Mir Pay token in the browser on the online store side, the following actions are performed:

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1. The buyer selects the product or service on the online store site and presses the Mir Pay button.
2. After pressing the Mir Pay button, Mir Pay app is called and data is transferred to the app using Deep Link / Universal Link, in which it will be possible to select one of the cards added in the Mir Pay mobile app.
3. After selecting the card, the buyer has to confirm the payment.
4. Mir Pay app creates an encrypted package with a token and payment data and returns it to online store page script.
5. The encrypted packet with the token and payment data is sent to the IPS Assist TokenPay service.
6. The IPS Assist decrypts the packet with the token and payment data.
7. The IPS Assist performs payment by a token through the processing of a settlement bank.
8. The IPS Assist returns the results of payment to the online store.

To To organize the receipt of payments by token in the browser on the online store side, you need to do the following preparatory steps:

• make a request to connect payment means for payments by token(Apple Pay, Google Pay, Mir Pay)  to the IPS Assist technical support service  support@assist.ru;
• embed into the code of your page;
  • to receive an encrypted packet with a token and payment data:
    • Google Pay API for Google Pay;
    • ApplePay JS API for Apple Pay;
  • for payment - access to TokenPay service;
  • Deep Link/Universal Link is used to initiate In-Application operation Mir Pay;
• implement receiving encrypted In-App payment data from Mir Pay on the server using the Payment data preparation Result Service API for In-Application transaction for Mir Pay;
• obtain confirmation from the IPS Assist technical support service that all the necessary technical settings for the functioning of the TokenPay payment processing service when paying for goods and services to your merchant have been fulfilled;
• prepare for payments receiving;
• 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” ”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.

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• when using Mir Pay, you should generate keys and a request for a certificate and obtain a Mir Pay certificate to make payments using the appropriate section of the Personal Account of IPS Assist.

You can learn more about the possible options of payments processing by tokens using different providers.

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