We want to assure you that payments processed through ChargeAutomation using Apple Pay and Google Pay are treated as highly secure and authenticated transactions.
You can be confident that these payments meet the necessary authentication requirements, helping minimize risk for your business.
How Authentication Works for Mobile Wallets
Unlike standard card entry, Apple Pay and Google Pay use the guest's device to verify their identity:
Device-Level Authentication: The guest authenticates the payment using Face ID, Touch ID, or a device passcode.
Issuer Acceptance: This device-level verification often satisfies the card issuer's security requirements.
The Role of 3D Secure (3DS)
For mobile wallets, 3DS is handled seamlessly in the background. If the card issuer requires additional verification, 3DS will be triggered automatically as part of the payment flow.
If Face ID or Touch ID fails, the guest can use their device passcode. A successfully completed payment should still be recognized as authenticated.
Payment Identification & Liability Shift
ChargeAutomation displays Apple Pay and Google Pay icons in the dashboard and Guest Portal, making the payment method easy to identify.
Eligible wallet transactions can also qualify for liability shift, providing additional protection against certain fraud-related chargebacks.
Key Takeaway for Property Managers
Apple Pay and Google Pay payments are securely authenticated through device verification and, where required, 3D Secure. Successful wallet payments should not trigger "transaction could not be authenticated" notifications.
Need Help?
If you have questions or run into any issues, don’t hesitate to reach out to our support team at [email protected]. We’re happy to help!