How can a payment platform offer Apple Pay and Google Pay to its merchants?

By activating wallets as payment methods per merchant and showing them in a branded checkout. Wallet payments run on card rails with device tokens, so network tokenization and the same reporting as cards keep them in one operational flow.

Wallets are card payments in disguise

Apple Pay and Google Pay do not replace the card networks. The wallet stores a device token issued by the card network, and each payment is authorized through the same acquirer as a plain card payment. For the platform, this means no new settlement flow, no new fee structure and no new reconciliation file: a wallet payment settles like the card behind it.

What the platform has to do

• Register the merchant domain and certificates with Apple and Google, once, at platform level.
• Activate the wallet as a payment method per merchant account, so each merchant decides where it appears.
• Show the wallet button in the hosted checkout and in payment links, on mobile first, where most wallet payments happen.
• Pass the device token and cryptogram to the acquirer that routing selects.

Why it pays off

Wallet payments are authenticated on the device, so they usually qualify as strong customer authentication and carry lower fraud rates than typed card numbers. Merchants see higher conversion on mobile and fewer declines. Operators that report wallets next to cards, with the same transaction record, can show merchants the uplift without a separate tool.