Going Multi PSP to Support Apple and Google Pay
Blog post from Basis Theory
Merchants increasingly use multi-PSP strategies to improve payment authorization rates, reduce customer churn, and add redundancy, but extending this flexibility to Apple Pay and Google Pay can be difficult because their encrypted tokens, device account numbers, and processor requirements differ from standard card payments. Apple Pay uses device-specific primary account numbers and encrypted payment tokens tied to merchant certificates and verified domains, while Google Pay can return either PAN-based or device-tokenized data through gateway or direct tokenization methods, with direct decryption requiring PCI DSS Level 1 compliance. Basis Theory presents its payment vault and tokenization tools as a way to simplify implementation and decouple these wallet payments from a single processor, allowing merchants to securely decrypt or manage payment data and route transactions among multiple PSPs.
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