1 Apple Pay and 3DSecure
To use Apple Pay, a user must register a credit card in the wallet on their Apple device. When this process is complete, the card is registered on a 3DSecure token server and the related account number and OnlinePaymentCryptogram is stored securely on the phone. Note that the account number on the wallet entry is not the same as the credit card account number. The data from the wallet on the Apple device is what Payway® sends to the card processor. The processor then interacts with the token server to acquire the original credit card PAN, and the transaction is processed.