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Wallet Decryption

You can use the Wallet Decryption API to decrypt Apple Pay, Google Pay, and Paze wallet encrypted payment bundles to obtain network tokens, cryptograms, electronic commerce indicators (ECIs), and other payment instrument data to map to an API to complete the payment.

Tip

Google Pay decryption returns PANs (browser-based transactions) and tokens (device-based transactions), depending on how the transaction is initiated by the consumer. During your Google Pay setup, you can elect to accept only DPANs (Cryptogram_3DS) to limit your Payment Card Industry (PCI) scope.

Availability

The Wallet Decryption API is available in the following regions:

  • Canada
  • Europe
  • United Kingdom
  • United States

How wallet decryption works

The following steps help you get started with Wallet Decryption:

  1. Integrate with your wallet provider(s) (for example, Apple Pay, Google Pay, or Paze) to obtain the encrypted payment bundle.
  2. Use the Wallet Decryption API to decrypt and obtain the payment instrument details inside the bundle.
  3. Map the applicable payment instrument data fields from the decryption response to your current processing API to complete the payment.

Wallet Decryption API specification