How to Get a “Pay With Apple Pay” Button for Your Website

Apple Pay

On Monday, Apple announced that you’ll soon be able to make purchases on websites using Apple Pay.

But how will this work?

And what will you, as a merchant, need to do to accept Apple Pay on your website?

Let’s have a look…

How Will Apple Pay Work on the Web?

Until now, you could only use Apple Pay in the real world or in mobile apps. Monday’s announcement is about allowing Apple Pay to be used on websites.

The video from Apple’s World Wide Developer Conference (WWDC) shows how it will look:

On websites with a “Pay With Apple Pay” button, customers browsing in Safari will be able to authorise purchases just by clicking the button and pressing their finger on their phone’s fingerprint sensor.

This should mean a low-friction checkout process for these customers which should improve your website’s conversion rate.

How to Get a “Pay With Apple Pay” Button for Your Website

Now that you know how it works and how the “Pay With Apple Pay” button could help your business, you may be keen to get it setup on your website.

Unfortunately, although Apple have announced lots of large retailers who will be adding the new “Pay With Apple Pay” button, they’ve yet to explain how the rest of us can get the button.

But I expect this to change soon. And when it does, Apple will almost certainly link to the instructions from here.

I’m also expecting popular online payment gateways to add support for Apple Pay. If you’re already using one of these then you may get the option of accepting Apple Pay automatically.

9 Great Tools to Help You Accept Card Payments Better

man in formal shirt and bow tie

Taking debit and credit card payments is a critical aspect of many businesses. The easier you can make it for customers to pay you, the happier those customers will be and the more sales you’ll make.

In this post, I’ll outline some innovative tools to help you accept card payments and to automate some of the important admin tasks that need to happen each time a payment is taken.

1. Flypay

If you run a restaurant or bar, Flypay could be for you. It’s a mobile app that lets your customers order and pay for food and drink at their table, without needing to find a waiter. You can also use it to encourage loyalty by rewarding your customers based on their purchases.


People like Gourmet Burger Kitchen, Jamie’s Italian and Wahaca are already working with them.

2. Taxamo

Making sure you charge your customers the right amount of VAT and record that correctly for the tax authorities can be a complicated business. And since the EU introduced new rules around this at the start of 2015, it’s something even the smallest businesses need to figure out if they’re selling digital products online.


Taxamo provide a variety of tools to make all this tax compliance easier – plugins for popular e-commerce platforms and payment gateways, as well as APIs and reporting dashboards.


If you’re a mobile app developer, gives you an easy way to allow users to pay by scanning their credit or debit card using their phone. This takes away the pain of entering a long credit card number by hand. Both Android and iOS are supported.

4. SendOwl

Do you have digital products you want to sell? If so, SendOwl could be something to look into.


SendOwl makes it easy to add a buy button to your website, blog or social network. When a customer clicks on one of these buttons, it automatically shows them a checkout page in their native language. Next, once the purchase is complete, SendOwl deals with sending the relevant file to them.

The SendOwl service integrates with popular payment processors like Stripe and PayPal which are themselves generally quick and easy to set up. Importantly, unlike some other similar services, SendOwl doesn’t take a cut of your payments, instead just charging a flat monthly fee.

5. Ticket Tailor

If you organise paid-for events, it’s important to have a good way to take payments. Unfortunately, popular event organising websites often charge large commissions for selling tickets through their systems. To avoid these hefty commissions, have a look at Ticket Tailor.

Ticket Tailor

For a flat monthly fee, Ticket Tailor lets you create customised ticket pages and e-tickets, letting you sell as many tickets as you like and record all the information about your customers. They don’t charge you any per-ticket fee for their service (though you’ll naturally still need to pay the usual processing fees for whichever of Stripe or PayPal you use for your payment processing.)

6. Quaderno

As I mentioned earlier, there can be lots of admin associated with taking payments: as well as accepting the payments themselves, you also need to keep track of invoices, taxes and receipts. Quaderno is a nifty service that helps with all of that.


Quaderno hooks into Stripe, Braintree, PayPal or Paymill and automatically sends your customers nice-looking invoices, also keeping track of all the relevant information to produce tax summaries. It’s not necessarily cheap, but it can certainly save you time.

7. MyCheck

If you’re running a big restaurant chain, you’re probably looking for ways to interact more with your customers through their smartphones. But building apps from scratch is outside the comfort zone of most restaurant businesses. That’s where MyCheck comes in.

MyCheck app

MyCheck creates custom-branded apps for restaurant chains that allow customers to use their phones to do things like pay at their table, split bills and order ahead. Like Flypay, they also provide loyalty and CRM features that help restaurants better keep in touch with their customers to offer them special deals, etc.

8. PromisePay

People often ask me about how best to take payments in a marketplace business: typically you want a customer to pay via your website or app, then for the majority of the money (less the marketplace’s commission) to be paid out to the supplier. Sadly, there still aren’t many solutions to support this way of doing things and businesses often end up with some sort of compromise workaround. But in some cases PromisePay could be an interesting option.

Promise Pay

PromisePay offer a range of payment products and APIs designed specifically with marketplaces in mind. They can collect marketplace fees on payments, provide various tools to combat fraud and verify identities, and take payments via credit cards, debit cards and a variety of other payment methods.

PromisePay is only available to US and Australian businesses for now, and is aimed at businesses looking to process $1 million or more per month. That rules out a lot of people who might like to use this sort of service. Hopefully they’ll be opening up their services to a wider range of clients before long.

9. BookingBug

Lots of businesses need to take bookings as well as payments. If you want your customers to be able to check your availability and make a booking online, you’ll often want them to pay at the same time. BookingBug is a flexible tool for helping you do that.


You can use BookingBug to handle your calendar and manage bookings by the hour, day, or week, taking payments at the same time if that’s what you want. It’s a great way to let your customers make bookings at any time of day or night.


The tools we’ve looked at can smooth the process of taking credit and debit card payments for your business. There’s been lots of exciting innovation around payments in recent years, making it easier and easier for business owners and their customers. Whatever business you’re in, it’s worth having a look around and seeing what solutions are out there for you.

Have you seen a great new tool to help businesses take card payments, or remove some of the admin burden around payments? If so, let us know in the comments below.


How do MasterCard Interchange Fees Vary Across Europe? (Map)

Map of MasterCard Interchange Fees by European Country

On 9th July 2015, the European Commission sent a ‘Statement of Objections’ to MasterCard, saying they may be breaching European antitrust rules. One of the Commission’s concerns was that MasterCard’s rules currently limit the ability of a retailer in a country with a high interchange fee from having their payments processed by a bank in a country with a low interchange fee (and thereby saving money).

But how much could retailers potentially be saving? How much do MasterCard’s interchange fees vary between European countries?

Here’s a map showing the interchange fees MasterCard charges for domestic chip & PIN credit card transactions.

[The fee data is from MasterCard’s per-country interchange documents available here, as of July 2015.]

With fees ranging from as little as 0.3% or less to as much as 1.47%, without the cross-border restriction in place merchants in some high-fee countries could make savings of 1% or more of their card turnover. That would be a huge gain for some retailers, particularly those with the slimmest margins.

But will MasterCard feel forced to relax their rules? As Duncan Robinson of the Financial Times reports, the Commission could potentially fine MasterCard nearly $1 billion for antitrust breaches, so MasterCard will at least need to take these objections seriously.

What do you think will be the outcome here? Will we see MasterCard change their rules? And what impact would that have on the European acquiring industry?

Leave a comment below to share your views.

Top 13 Payments and FinTech Tweets from WIRED Money 2015

Here are our top 13 favourite tweets from the WIRED Money event that was taking place at the British Museum today, covering everything from fascinating statistics to funny quips.

Which is your favourite?

When Credit Card Processing Gets Blocked: 7 Online Services Greeks Could Lose

Greek Flag

Imagine if your credit card was blocked and you couldn’t get another. Gradually the online services you pay for would get shut off.

That’s the situation Greek people and companies are in today. With capital controls in place, Greeks can no longer pay for online services from non-Greek companies. Which services are they missing the most?

Panos Papadopoulos of was so concerned about this issue, he helped set up an organisation called Zerofund to assist Greek startups who are currently unable to pay for their online services.

According to Panos, these are some of the services Greek startups are most concerned about losing:

1. Amazon Web Services

AWS, Amazon’s cloud server infrastructure has been enormously successful. It’s incredible powerful and usually very reliable. As long as you keep up your payments for it…

2. Hetzner

Another web hosting provider, this time based in Germany. Without your web server, an online business can’t do very much.

3. DigitalOcean

DigitalOcean are a large US-based web hosting company. They specialise in low-cost hosting and have become very popular around the world, including — it would seem — in Greece.

4. Google Adwords

Businesses need to promote themselves. And these days there are few marketing channels more popular than Google Adwords. Normally Google Adwords can bring in a steady stream of customers. But if you stop paying for the ads, the customers are no longer going to be able to find you.

5. Facebook Ads

With Facebook’s growth, it too has become a very popular place for businesses to advertise, including businesses based in Greece.

6. Atlassian

Many businesses these days use online collaboration tools to get their work done. Atlassian is one of the most popular of these tools. If you can’t see the status of your project, it’s hard to get much work done.

7. GoDaddy

GoDaddy provides domain name registration services to a huge number of businesses around the world. Domain name registrations have to be renewed on a regular basis. Worryingly, if you can’t pay to renew your registration, you could lose valuable domain names that you’ve been using for years.


These are just seven of the online services that Greeks could be losing access to. But they’re certainly not the only ones. Nature, for example, reports on how Greek scientists are losing access to online scientific journals. Whether Greece stays in the euro or not, we hope this situation gets sorted soon so that Greek credit cards can once again be accepted abroad.


5 Organisations That Shape the UK Payments Industry

Swirl of handsThe payments industry in the UK is big (a whopping £75 trillion big, according to the UK’s Payment Systems Regulator). It’s also critical to our modern economy: not a lot can happen without payments, after all. But aside from the big brands we’ve all heard of, who shapes this industry? What trade and government bodies help steer it?

Here are 5 of the bodies that matter to UK payments.

1. Payment Systems Regulator

Payment Systems Regulator logo

The Payment Systems Regulator (PSR) is the independent regulator for the payment systems industry in the UK. It was launched on 1st April 2015 and is a subsidiary of the Financial Conduct Authority (FCA). It is funded by the payment systems industry but accountable to Parliament.


The PSR’s stated purpose is “to make payment systems work well for those that use them.”

Their objectives are to promote competition and innovation in the payments industry and to ensure that payment systems are developed and operated in ways that are good for their users.

What do they do?

The PSR has a number of powers around standards-setting and to promote competition and innovation, including requiring large players in the industry to provide access to payments systems to smaller players.

2. The UK Cards Association

The UK Cards AssociationThe UK Cards Association logo is the trade organisation for the UK card payments industry. It represents financial institutions that act as card issuers and acquirers.


The organisation’s members include big names such as Barclays, Capital One, HSBC, American Express, RBS, Worldpay, First Data and many more.

3. Payments UK

Payments UK logoPayments UK launched in June 2015 as a replacement to the UK Payments Council. They are a trade body representing a range of payment service providers and other organisations, such as consultancies, with an interest in payments.


Payments UK has two levels of membership: full and associate. Full members include organisations such as American Express, Barclays, HSBC, J.P.Morgan, PayPal, Tesco Bank, and Worldpay. Associate members include the Department for Work and Pensions, KPMG and Experian and a dozen or so more.

4. European Payments Council

European Payments Council logo

The European Payments Council (EPC) is a European trade body representing payment service providers (PSPs). Their stated aim is to promote European payments integration and development, including SEPA (the Single Euro Payments Area), an initiative to develop a set of harmonised payment schemes and frameworks for electronic euro payments.


EPC members include a range of European financial institutions such as Santander, BNP Paribas, the Czech Banking Association, Deutsche Bank, Swedbank, and the Association of Banks in Bulgaria.

5. PCI Security Standards Council

PCI Security Standards Council logo

The PCI Security Standards Council is a global body that sets and promotes security standards for the handling of payments, particularly around dealing with cardholder data.

Notably, the Council is responsible for the PCI Data Security Standard (PCI DSS) which is a framework for handling payment card data in a secure way.

All organisations handling card payment data are generally encouraged by their payment service providers to comply with the PCI DSS standards.


The Council was established by American Express, Discover, JCB, MasterCard, and Visa Inc. who all recognise the PCI DSS framework. It now has a handful of affiliate members and hundreds of participating organisations.


We’ve looked at five of the bodies that matter to the UK payments industry. This should give you an overview of some of the organisations that help to shape the payments world.

What are your views on the organisations we’ve included? Do they really do what they say they do? And what organisations would you add to the list? Let us know in the comments.


How Are Greek Capital Controls Affecting Card Payments?

shattered Euro coin in front of Greek flag

The situation in Greece is getting critical. Under controls brought in by their government this morning, Greek people are limited to withdrawing €60 per day in cash from their bank accounts. But how are credit and debit card payments affected?

It turns out that card payments within Greece are still allowed as normal. Greeks can continue to make purchases in person or online using credit cards and debit cards so long as they’re buying from companies with Greek bank accounts.

But credit and debit card purchases from non-Greek companies, however, are blocked as part of the measures to stop capital leaving Greece. So if you run an e-commerce business that normally receives orders from Greece, you’ll likely have seen those orders dry up for the time being.

Do you accept credit and debit card payments from Greece? Have you received any payments from Greece since the capital controls were introduced? Let us know in the comments below.

How to Accept Payments Using Apple Pay (in the UK)

Apple Pay app showing an HSBC MasterCard card

Are you a UK retailer? You may have heard that Apple Pay is launching in the UK in July. What do you need to do in order to accept Apple Pay payments?

Apple stated in their announcement about Apple Pay that the technology will be accepted in over 250,000 locations across the UK. They mentioned a list of UK retailers that will be accepting Apple Pay, including big players like Boots, Costa Coffee, McDonald’s and Starbucks. And they also mentioned the following:

“Starting in July, iPhone 6, iPhone 6 Plus and Apple Watch users will be able to make purchases anywhere contactless payments are accepted.”

Visa have just published a press release saying something similar:

“Apple Pay can be used with the hundreds of thousands of contactless point of sale terminals which are already used millions of times every day throughout the UK.”


“Apple Pay can be used to touch and pay wherever Visa contactless payment is accepted.”

So to accept Apple Pay payments in-store, all you need is a credit card terminal with contactless technology. With a bit of luck, you may have one of these already.

If you don’t already have a contactless credit card reader, why not speak with your terminal rental company about a possible upgrade? Or if you want a new contactless card terminal together with some really competitive card processing rates, contact one of the credit card processing providers listed here.

If you don’t want to invest in a regular chip and PIN card terminal, another way to accept Apple Pay payments is with iZettle’s recently-announced Card Reader Pro Contactless. With the same contactless technology as in a traditional credit card terminal, iZettle’s device communicates via a smartphone and is available for around £79.

Do you already accept contactless card payments? If so, what do you think about Apple Pay? Will you be encouraging your customers to use it?

[Update: now that Apple Pay has been officially launched in the UK, you might be interested in our infographic on How To Accept Apple Pay.]

Photo courtesy of Apple.

Apple Pay UK: Will Your Credit Card Work With It?

Apple Pay showing Visa debit card

Apple Pay is arriving in the UK starting in July. It will be accepted in over 250,000 locations. But will your credit card work with it?

According to Apple’s announcement, from launch Apple Pay will work with Visa, MasterCard and American Express credit and debit cards issued by the following banks. If your card is from one of these, you’re in luck!

  • first direct
  • HSBC
  • NatWest
  • Nationwide Building Society
  • Royal Bank of Scotland
  • Santander
  • Ulster Bank

If your credit card issuer isn’t one of those, don’t worry just yet – cards from most other UK issuers are due to be compatible by the autumn:

  • Bank of Scotland
  • Coutts
  • Halifax
  • Lloyds Bank
  • MBNA
  • M&S Bank
  • TSB Bank

For now, that’s it, though. If you’ve got a credit card issued by Barclays or Metro Bank, then I’m afraid there’s no word on when it might be usable with Apple Pay.

Photo courtesy of Apple.