> 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

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                |
| **Better UX**         | One-tap payments with biometric authentication       |

## Supported Digital Wallets

| Wallet         | Platforms             | Auth Methods                 | Documentation                                        |
| -------------- | --------------------- | ---------------------------- | ---------------------------------------------------- |
| **Google Pay** | Android, Web (Chrome) | `CRYPTOGRAM_3DS`, `PAN_ONLY` | [Integration Guide](/rest-api/wallets/google-pay.md) |
| **Apple Pay**  | iOS, macOS, Safari    | Network Token + Cryptogram   | [Integration Guide](/rest-api/wallets/apple-pay.md)  |

## 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

Enable, configure, and manage digital wallets for your merchants using the Wallet Integrations API.

### Check Wallet Status

**Endpoint:** `GET /v1/merchants/{merchantId}/wallet-integrations`

```bash
curl -X GET "https://api.plexo.com.uy/v1/merchants/12345/wallet-integrations" \
  -u "username:password"
```

**Response:**

```json
{
  "googlePay": {
    "walletType": "google-pay",
    "enabled": true,
    "mode": "both",
    "status": "active",
    "configuredAt": "2026-01-21T10:30:00Z"
  },
  "applePay": {
    "walletType": "apple-pay",
    "enabled": true,
    "mode": "both",
    "status": "active",
    "certificate": {
      "type": "self-managed",
      "status": "active",
      "expiresAt": "2027-01-21T23:59:59Z"
    },
    "configuredAt": "2026-01-21T10:30:00Z"
  }
}
```

### Wallet Status Values

| Status           | Description                                                   |
| ---------------- | ------------------------------------------------------------- |
| `active`         | Fully configured and ready to process payments                |
| `pending`        | Enabled but awaiting configuration (e.g., certificate upload) |
| `error`          | Configuration error - check `errorMessage`                    |
| `not_configured` | Wallet not enabled for this merchant                          |

For full API documentation, see [Wallet Integrations API Reference](/rest-api/api-reference/wallet-integrations.md).

***

## Choose Your Wallet Flow

### Google Pay

1. Register with [Google Pay & Wallet Console](https://pay.google.com/business/console)
2. Ask `soporte@plexo.com.uy` to enable Google Pay for your merchant
3. Choose your integration flow:

* **Hosted Checkout:** Create a checkout session and use the hosted checkout URL returned in the session actions
* **API:** Integrate the [Google Pay SDK](https://developers.google.com/pay/api) and send the resulting token using `paymentMethod.source = google-pay-token`

**See:** [Google Pay Integration Guide](/rest-api/wallets/google-pay.md) | [Web](/rest-api/wallets/google-pay/google-pay-web.md) | [API](/rest-api/wallets/google-pay/google-pay-api.md)

### Apple Pay

1. Set up Apple Pay in your [Apple Developer account](https://developer.apple.com/documentation/passkit/apple_pay)
2. **Enable via API:** `PUT /v1/merchants/{merchantId}/wallet-integrations/apple-pay`
3. **Upload certificate:** `POST /v1/merchants/{merchantId}/wallet-integrations/apple-pay/certificate/upload`
4. Integrate [PassKit](https://developer.apple.com/documentation/passkit) in your iOS/macOS app
5. Send tokens to Plexo using the `applePayToken` payment source

**See:** [Apple Pay Integration Guide](/rest-api/wallets/apple-pay.md) | [Certificate Setup](/rest-api/wallets/apple-pay/apple-pay-certificate-setup.md)

***

## Comparison

| Feature                  | Google Pay                          | Apple Pay                           |
| ------------------------ | ----------------------------------- | ----------------------------------- |
| **Platforms**            | Android, Web                        | iOS, macOS, Safari                  |
| **Auth Methods**         | CRYPTOGRAM\_3DS, PAN\_ONLY          | Network Token + Cryptogram          |
| **3DS**                  | Pre-authenticated (CRYPTOGRAM\_3DS) | Pre-authenticated                   |
| **Setup Complexity**     | Enable flag only                    | Enable + certificate upload         |
| **Certificate Required** | No                                  | Yes (self-managed or Plexo-managed) |
| **Token Encoding**       | Base64 JSON                         | JSON string                         |
| **Enable API**           | `PUT .../google-pay`                | `PUT .../apple-pay` + certificate   |

## Next Steps

* [Google Pay Integration Guide](/rest-api/wallets/google-pay.md)
* [Google Pay Web Integration](/rest-api/wallets/google-pay/google-pay-web.md)
* [Google Pay API Integration](/rest-api/wallets/google-pay/google-pay-api.md)
* [Apple Pay Integration Guide](/rest-api/wallets/apple-pay.md)
* [Apple Pay Certificate Setup](/rest-api/wallets/apple-pay/apple-pay-certificate-setup.md)
* [Wallet Integrations API Reference](/rest-api/api-reference/wallet-integrations.md)
* [Payment Processing Guide](/rest-api/payments/payment-processing.md)


---

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