# Apple Pay & Google Pay on any processor

Accept Apple Pay and Google Pay once and route them to the processor of your
choice. Orchestrapay decrypts the wallet token itself, so wallet payments follow
the same routing rules as card payments instead of being tied to one processor.

Page: https://www.orchestrapay.com/products/apple-pay-google-pay

## What it does

- **We decrypt the token.** Apple Pay: signature check, key exchange,
  AES-256-GCM. Google Pay: ECv2.
- **Route wallets like cards.** Decrypted wallet payments go through your routing
  graph, fallbacks included.
- **Switch processors, keep the wallets.** Wallets stay connected to
  Orchestrapay when you change processor.
- **One tap to pay.** Customers confirm on their own device.
- **Apple Pay merchant validation** handled, with each request checked as
  genuinely from Apple.
- **In the form and the SDK.** Wallet buttons appear in the Orchestrapay payment
  form and the `@orchestrapay/react` SDK.

## Decrypt, then route

1. Customer confirms in the wallet sheet.
2. The wallet returns a token encrypted for Orchestrapay.
3. Orchestrapay verifies and decrypts it.
4. The card goes through your routing graph.
5. The processor your rules pick charges it, with the wallet cryptogram where the
   processor accepts it (for example Stripe).

## FAQ

**Which processors can take wallet payments?** Any card processor you connect
that accepts decrypted wallet payments.

**Do I need my processor's approval?** For some. Decrypted wallet payments carry
the card number, and processors such as Stripe and PayPal require approval for
that first.

**Do wallet payments need 3D Secure?** They are authenticated on the device.
Card-only wallet payments without a device cryptogram are sent with 3D Secure.

## Related

- [Smart Routing](https://www.orchestrapay.com/products/smart-routing.md)
- [3D Secure](https://www.orchestrapay.com/products/3d-secure.md)
- [Card Vault](https://www.orchestrapay.com/products/card-vault.md)
- [Talk to sales](https://www.orchestrapay.com/contact)