Does Apple Pay cost extra?

Stripe's Apple Pay guide says you pay only Stripe's processing fees for Apple Pay payments it processes, and Apple's merchant page lists no separate fee.

Can subscribers pay with Apple Pay?

Yes. Apple Pay supports recurring payments, and Stripe recommends merchant tokens for them. On PlatformDTC checkout the Apple Pay card is saved at the first order and charged for each renewal.

Why don't some shoppers see the Apple Pay button?

The button only appears on a supported Apple device and browser with a card in Wallet, on a domain registered for Apple Pay. PlatformDTC registers the checkout domain with Stripe and only moves a store's checkout onto its own domain once Stripe reports Apple Pay active there, so a missing button usually means the shopper's device isn't set up.

Are Apple Pay payments protected from fraud chargebacks?

Stripe says Apple Pay supports liability shift on all major networks, so fraud losses usually move to the card's bank. For Visa that applies on iOS 16.2 or later, or on cards issued in Europe.

Digital wallets · Payment methods

Apple Pay for online stores: how it works and who can use it

Checked October 31, 2026

Apple Pay is Apple's digital wallet. A shopper pays with a credit or debit card saved on their iPhone, iPad, Mac or Apple Watch and confirms with Face ID, Touch ID or a passcode, so they never type a card number and the store never receives the real one. Through Stripe, businesses worldwide can accept Apple Pay; refunds and disputes follow normal card rules, and recurring payments work through Apple Pay merchant tokens.

Type: Card-based digital wallet from Apple
Where shoppers can use it: Countries and regions on Apple's list across Africa, Asia-Pacific, Europe, Latin America, the Middle East, India and North America
Business locations (Stripe): Stripe accounts worldwide, paid out in local currency
Currencies: Most currencies Stripe supports for payments
Refunds: Full and partial, same process as card payments
Disputes: Same process as card disputes; liability shift on all major networks (Visa: iOS 16.2 or later, or a European-issued card)
Recurring payments: Yes, using Apple Pay merchant tokens
Payouts: Standard Stripe payout timing

What PlatformDTC does

PlatformDTC checkout offers Apple Pay in the express row at the top of every checkout, shown first on every supported device and browser. It works for one-time orders and subscriptions (the wallet card is saved for renewals), a store's checkout only moves onto its own domain once Stripe reports Apple Pay active there, and Apple Pay payments are never sent to the extra risk-based 3D Secure check.

How a shopper pays with Apple Pay

The shopper taps the Apple Pay button, checks the card, shipping address and contact details already stored in Apple Wallet, and confirms with Face ID, Touch ID, a passcode or a double-click on Apple Watch. Apple says every transaction on iPhone or iPad needs Face ID, Touch ID or a passcode.

Apple requires the payment sheet to open straight from a tap or click, so the button has to be on the page the shopper is looking at.

What it means for your store: refunds, disputes, subscriptions

Underneath, Apple Pay is a card payment. You never see the shopper's real card number, which keeps sensitive data out of your systems, and the money arrives on your normal payout schedule.

Refunds: full or partial, from the same place you refund cards.
Disputes: handled like card disputes. Stripe says Apple Pay supports liability shift (fraud losses move to the card's bank) on all major networks; for Visa that needs iOS 16.2 or later unless the card was issued in Europe.
Subscriptions: Stripe recommends Apple Pay merchant tokens, which keep renewals working across the shopper's devices, even after a lost phone is replaced. Stripe notes recurring Apple Pay is not yet supported for customers in India.

Who can accept Apple Pay

Any Stripe account can accept Apple Pay with local-currency payouts. On a checkout built with Stripe Elements, every domain that shows the button must be registered for Apple Pay, including subdomains such as www. Stripe handles Apple's merchant validation, so you don't need an Apple merchant ID of your own. If a device or browser doesn't meet Apple's requirements, Stripe simply doesn't show the button.

Frequently asked questions

Does Apple Pay cost extra?: Stripe's Apple Pay guide says you pay only Stripe's processing fees for Apple Pay payments it processes, and Apple's merchant page lists no separate fee.
Can subscribers pay with Apple Pay?: Yes. Apple Pay supports recurring payments, and Stripe recommends merchant tokens for them. On PlatformDTC checkout the Apple Pay card is saved at the first order and charged for each renewal.
Why don't some shoppers see the Apple Pay button?: The button only appears on a supported Apple device and browser with a card in Wallet, on a domain registered for Apple Pay. PlatformDTC registers the checkout domain with Stripe and only moves a store's checkout onto its own domain once Stripe reports Apple Pay active there, so a missing button usually means the shopper's device isn't set up.
Are Apple Pay payments protected from fraud chargebacks?: Stripe says Apple Pay supports liability shift on all major networks, so fraud losses usually move to the card's bank. For Visa that applies on iOS 16.2 or later, or on cards issued in Europe.

Sources

Apple Pay — Stripe
Apple Pay liability shift, disputes, and refunds — Stripe
Apple Pay for developers — Apple
Countries and regions that support Apple Pay — Apple