Accepting Apple Pay in Canada

We live in the age of Apple; 13 million units of iPhone 6s and iPhone 6s Plus sold within three days of launching.

This widespread consumer ownership of iPhones bodes well for Apple and its digital wallet service, Apple Pay, which allows customers to make purchases with compatible Apple devices. As we approach the one-year anniversary of its launch in the U.S., there has been heavy speculation that Apple Pay will emerge in the Canadian market within the next few months.

While the mobile payment solution has already launched in both U.S. and U.K., Canada is primed for the arrival of Apple Pay. Mobile payments require chip-and-pin terminals, something that Canadian retailers have successfully implemented for several years now; 75% of major retailers accept contactless payments.

To help merchants prepare for Apple Pay’s imminent arrival in Canada, we’ve composed a brief guide on everything you need to know about accepting Apple’s mobile payment service.

What is it?

Apple Pay is a contactless payment method accessible on compatible Apple devices. Apple Pay uses NFC technology to enable transactions by bringing the device near the terminal. Apple Pay transactions made in-store are card present transactions. Apple Pay used within apps (online shopping) are card not present transactions. Consumers can use Apple Pay at any retailer that accepts contactless payments.

Apple Pay

How it works

The setup for consumers with Apple Pay compatible devices is quick and easy. Consumers input credit card information securely in the Passbook App, which has been renamed Wallet with the iOS 9 update. The credit card information is safely encrypted and stored on the device for future transactions.

When ready to pay, a customer holds the phone close to the terminal, and once a connection is established, the customer uses TouchID authentication (fingerprint identity sensor) to transfer the credit card data and complete the transaction.

Compatible devices

In-store payments: iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, and Apple Watch.

In apps: iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPad Pro, iPad Air 2, iPad mini 4, and iPad mini 3.


Apple Pay encrypts credit card information for each transaction. This means that the sensitive data doesn’t leave the consumer’s device; Apple doesn’t store any payment information or transaction records.

Each transaction requires either a TouchID or passcode. In addition, Apple Pay can be suspended with Find My Phone or iCloud in case of theft.


1. Increased convenience. Apple Pay translates to less time spent searching for wallets and credit cards. Plus, many consumers are rarely without their phones.

2. Faster checkout. Transactions are completed with a single touch, which means shorter line-ups and a streamlined experience.

3. Enhanced security. Credit card information is safely encrypted.

4. Improved customer experience. You allow your customers to pay how they want.

How to accept

The good news for Canadian retailers who already accept mobile payments? Nothing additional is needed. There is no special Apple Pay terminal required, nor are there additional fees for accepting Apple Pay. You just need an NFC-enabled terminal that is able to accept contactless payments, and you’re set.

We here at Payfirma are always looking for ways to help you grow your business. As mobile payments gain more and more traction, accepting Apple Pay and other digital wallets allows your customers to pay however they want and ultimately provides a delightful customer experience.

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