> For the complete documentation index, see [llms.txt](https://plexo.gitbook.io/rest-api/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://plexo.gitbook.io/rest-api/wallets/digital-wallets.md).

# Digital Wallets Overview

Apple Pay and Google Pay availability comes from current Visa/Mastercard routing on every channel. See [ownership and payment-method eligibility](/rest-api/api-reference/wallet-integrations.md#wallet-ownership-and-availability) before following this guide. Use only eligible methods in `allowedCardNetworks` or `supportedNetworks`; examples listing both assume both are eligible. With `managedBy: "handy"`, Handy owns configuration and native provider setup; request changes through Handy. References to your provider credentials mean the resolved owner's credentials. Your team still validates its app/device, and the original Plexo merchant remains the recipient and Google `gatewayMerchantId`.

Use this guide to choose and enable a wallet flow. Plexo supports **Google Pay** and **Apple Pay** as payment sources.

For wallet concepts and tradeoffs, use [Core Concepts > Digital Wallets](/rest-api/core-concepts/digital-wallets.md).

## Benefits

| Benefit                        | Description                                                                                                                                                      |
| ------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Higher Conversion**          | Faster checkout with pre-stored payment credentials                                                                                                              |
| **Enhanced Security**          | Tokenized card data with device-level authentication                                                                                                             |
| **Reduced PCI Scope**          | Card details never touch your servers                                                                                                                            |
| **Fraud Liability Protection** | Eligible device-authenticated wallet transactions can shift liability for fraudulent chargebacks to the card issuer, subject to card-network and processor rules |
| **Better UX**                  | One-tap payments with biometric authentication                                                                                                                   |

## Supported Digital Wallets

| Wallet         | Platforms                              | Auth Methods                                                | Documentation                                        |
| -------------- | -------------------------------------- | ----------------------------------------------------------- | ---------------------------------------------------- |
| **Google Pay** | Android, Web (Chrome)                  | Web: `CRYPTOGRAM_3DS`, `PAN_ONLY`; native: `CRYPTOGRAM_3DS` | [Integration Guide](/rest-api/wallets/google-pay.md) |
| **Apple Pay**  | Supported web browsers and iOS devices | Network Token + Cryptogram                                  | [Integration Guide](/rest-api/wallets/apple-pay.md)  |

For the selected-merchant [OCA Pay limited beta](/rest-api/wallets/oca-pay.md), use its separate app/QR guides. Its integration does not use the Google Pay/Apple Pay token flow below.

## How It Works

```mermaid
sequenceDiagram
    participant Customer as Customer App<br/>(Wallet SDK)
    participant Server as Your Server
    participant Plexo as Plexo API

    Customer->>Customer: Authenticate (Face ID, fingerprint, PIN)
    Customer->>Customer: Generate encrypted token
    Customer->>Server: Send token
    Server->>Plexo: Forward token
    Plexo->>Plexo: Decrypt & process payment
    Plexo-->>Server: Payment response
    Server-->>Customer: Confirmation
```

1. Customer authenticates with their device (Face ID, fingerprint, PIN)
2. Wallet SDK generates an encrypted payment token
3. Your app sends the token to your server
4. Your server forwards the token to Plexo API
5. Plexo decrypts and processes the payment

***

## Merchant Wallet Configuration

Use `GET /v1/merchants/{merchantId}/wallet-integrations` to retrieve the current Google Pay, Apple Pay, and Click to Pay state.

Review:

* `managedBy` identifies who manages the provider configuration.
* `enabled` reports the integration-level setting.
* `channels` reports enablement, approval, readiness, and availability for each integration channel.
* `paymentMethods` and `unavailableReason` provide availability details for supported payment methods.

Use `available` to decide whether to present a wallet channel. Retrieve the latest state before initializing a wallet flow.

For the complete response schema and examples, see [List wallet integrations](/rest-api/api-reference/wallet-integrations.md#list-wallet-integrations).

***

## Choose Your Wallet Flow

Choose the row that matches where you want the wallet button to appear and how much of the wallet experience you want to build.

| Wallet flow                                                                                  | Choose it when                                                   | Channel  | What you build                                                                 |
| -------------------------------------------------------------------------------------------- | ---------------------------------------------------------------- | -------- | ------------------------------------------------------------------------------ |
| [Google Pay: Plexo Checkout](/rest-api/wallets/google-pay/google-pay-web.md)                 | Plexo renders Google Pay in hosted or directly embedded checkout | `hosted` | Create a checkout session and open the `REDIRECT` action returned by Plexo     |
| [Google Pay: API Integration](/rest-api/wallets/google-pay/google-pay-api.md)                | You render Google Pay on your website                            | `api`    | Integrate Google's Web SDK and send its token through your backend             |
| [Google Pay: Native Android Integration](/rest-api/wallets/google-pay/google-pay-android.md) | You render Google Pay in your Android application                | `native` | Register your app with Google and send its token through your backend          |
| [Apple Pay: Plexo Checkout](/rest-api/wallets/apple-pay/apple-pay-hosted-checkout.md)        | Plexo renders Apple Pay in hosted or directly embedded checkout  | `hosted` | Create a checkout session and open the `REDIRECT` action returned by Plexo     |
| [Apple Pay: API Integration](/rest-api/wallets/apple-pay/apple-pay-on-the-web.md)            | You render Apple Pay on your HTTPS website                       | `api`    | Verify domains, create merchant sessions, and send tokens through your backend |
| [Apple Pay: Native iOS Integration](/rest-api/wallets/apple-pay/apple-pay-native-ios.md)     | You render Apple Pay in your iOS application                     | `native` | Set up your Merchant ID and certificate, then send tokens through your backend |

For every flow:

1. Open **Integrations > Digital Wallets** in the [Plexo Dashboard](https://dashboard.plexo.com).
2. Select the wallet and request the channels shown in the table.
3. Wait until the selected channel is enabled, approved, and ready before presenting the wallet to payers.
4. Follow the linked implementation guide for the selected flow.

Google Pay Native Android is merchant-managed: you own the Google Pay & Wallet Console registration, application approval, and production publishing process. Apple Pay native requires your Apple Developer account and Merchant ID; Plexo protects the CSR private key and receives your Apple-signed Payment Processing certificate. Native provider readiness awaits real sandbox token processing in your own app and device.

***

## Comparison

| Feature                    | Google Pay                                                                        | Apple Pay                                                                           |
| -------------------------- | --------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------- |
| **Platforms**              | Android, Web                                                                      | Supported web browsers and iOS devices                                              |
| **Auth Methods**           | Web: CRYPTOGRAM\_3DS, PAN\_ONLY; native: CRYPTOGRAM\_3DS                          | Network Token + Cryptogram                                                          |
| **3DS**                    | Pre-authenticated (CRYPTOGRAM\_3DS)                                               | Pre-authenticated                                                                   |
| **Setup Complexity**       | Dashboard activation and flow configuration                                       | Dashboard activation and Plexo approval                                             |
| **Certificate Management** | Not applicable                                                                    | Plexo-managed web credentials; merchant-signed native certificate through Plexo CSR |
| **Public Input**           | JSON string containing complete `paymentMethodData`; inner token string unchanged | Serialized token wrapper JSON string                                                |
| **Activation**             | Independent `hosted`, `api`, `native` channels                                    | Independent `hosted`, `api`, `native` channels                                      |

## Next Steps

* [Google Pay Integration Guide](/rest-api/wallets/google-pay.md)
* [Google Pay: Plexo Checkout](/rest-api/wallets/google-pay/google-pay-web.md)
* [Google Pay: API Integration](/rest-api/wallets/google-pay/google-pay-api.md)
* [Google Pay: Native Android Integration](/rest-api/wallets/google-pay/google-pay-android.md)
* [Apple Pay Integration Guide](/rest-api/wallets/apple-pay.md)
* [Apple Pay: Plexo Checkout](/rest-api/wallets/apple-pay/apple-pay-hosted-checkout.md)
* [Apple Pay: API Integration](/rest-api/wallets/apple-pay/apple-pay-on-the-web.md)
* [Apple Pay: Native iOS Integration](/rest-api/wallets/apple-pay/apple-pay-native-ios.md) - merchant sandbox validation required before production
* [Wallet Integrations API Reference](/rest-api/api-reference/wallet-integrations.md)
* [Payment Processing Guide](/rest-api/payments/payment-processing.md)