We’re into the second decade of the 21st century, and “digitization” is not a mere word of the dictionary. In this transformation, digital payments have become the new normal, especially during the COVID-19 pandemic.

As per Techcrunch, 6.1 billion people are going to use digital payments by 2023. Since 2019, Apple Pay has been the number mobile payment app in \the USA. In Nov 2020, when statista surveyed the most utilized mobile payment app in the U.S., 49% of people answered it with Apple Pay. 

Los Angeles is becoming the USA's next tech hub and is the fourth-best startup city in the USA outside Silicon Valley. This indicates the rise of tech startups in LA. With Apple Pay being a popular payment app among LA citizens, startups are looking for app developers in Los Angeles who can help them integrate Apple Pay into their business apps. 

This blog will analyze how startups in LA can leverage Apple Pay in their apps, its business benefits, and the popular LA-based businesses who have used Apple Pay to their advantage. So, let’s get things moving.

Why is Apple Pay Prominent Digital Payment Gateway for Startups and SMBs?

Apple Pay is one of the most prominent payment gateways among the business groups despite many alternatives available on the platter. The reasons behind this massive popularity are security, convenience, and simplicity.

12% of the U.S. SMBs accept payments through Apple Pay, and 50% of the U.S. retailers accept Apple Pay, and 32% are planning to add it to their payment methods.

So, let’s analyze the reasons for Apple’s popularity among startups and small business owners in the United States of America.

1. Security 

Apple Pay doesn’t store its users’ confidential information such as credit card or debit card numbers. Instead, it uses a device-specific number and unique transaction codes. It stores these unique numbers to establish seamless transactions without storing the actual numbers on customers' cards. Apple ensures that the application does not store personal information on its servers or user devices. 

Hence, the application serves the primary concern of businesses to safeguard customers' safety and solitude. 

2. Compatibility

Compatibility is one of the essential factors for any digital transaction, and here's how Apple Pay achieves that aspect.

  • Apple Pay is compatible with all Apple devices such as iPhone, iPad, Apple Watch, and Mac.
  • It has partnered with major credit/debit card companies such as EuroPay, Visa, MasterCard, and American Express.
  • It is also entering US retail shops as an in-store credit card option. In fact, in Oct 2015, Kohl became the first retail store to provide this facility. 
  • Due to NFC (Near Field Communication) technology, Apple Pay has partnered with several retail brands such as Best Buy, B&H Photo, Bloomingdales, Chevron, Disney, Dunkin Donuts, GameStop, Jamba Juice, Kohl's, Lucky, McDonald's, etc.
  • Finally, Apple and Goldman Sachs have partnered together to launch Apple Card - Apple's own Credit Card. 

Also, It is much easier for a startup or small business to adopt new technology, and with mobile payments taking off, Apple Pay could be your best bet. 

3. Zero Infrastructure Investment 

After reading the above point, startup owners in LA would be wondering how? Let us explain this in detail. Nowadays, most startups or small businesses have already adopted NFC, and Apple Pay works on that principle only. 

In 2015, the U.S. government had made it mandatory for all merchants to support credit cards with EMV chips. So, by now, there would be a reliable infrastructure in place as far as Los Angeles goes. In addition to that, all the EMV-based payment terminals can handle NFC transactions as well. So, startups and SMEs in LA must adopt Apple Pay as soon as possible.

4. Simplicity

Any startup in LA would want to simplify things for its customers. Apple Pay does precisely that with the payment procedure. It allows customers to store all their credit/debit card information in the digital wallet and then uses it as required. 

The checkout is speedy and straightforward; a single touch is enough to initiate the payment. Customers can also keep Apple Pay as their default payment, which saves a lot of precious time. 

As far as the startup owners are concerned, Apple Pay will control all their payments from a single screen. Just one-time integration and startups can save a lot of time as well as effort. Startup owners can also check the transaction history through a digital passbook.

Steps to Integrate Apple Pay in Your iOS App

Many LA startups would be thinking about integrating Apple Pay into their business app after knowing Apple Pay's benefits. Here are the steps for merchants to integrate Apple Pay into iOS apps:

Step 1: Create and Register a Merchant ID

  • Navigate to Apple Developer and sign in to your developer account. 
  • After that, navigate to ‘Certificates, Identifiers & Profiles’ and select merchant ID under an identifier.  
  • Now, click on the (+) button and add a description and click on Continue. 
  • Review the settings and click Register.
  • Finally, click on Done to complete the procedure.

Step 2: Create a Payment Processing Certificate

  • Again, go to the ‘Certificates, Identifiers & Profiles,’ select merchant ID, and click on edit.
  • In the ‘Payment Processing Certificate’ section, click on ‘Create Certificate’ and follow the instructions to obtain a CSR (Certificate Signing Request). Click continue.
  • Next is to click ‘Choose File,’ select your CSR and click Generate. 
  • Finally, download the certificate and click on ‘Done.’

Step 3: Enabling Apple Pay

  • For enabling Apple Pay, move to the ‘Certificates, Identifiers & Profiles’ and select App IDs under the Identifier section. 
  • Now, click on edit and select Apple Pay and again click on edit.
  • Next is to determine the Merchant IDs that you want to use and click Continue.
  • Now, review the Settings and click Assign and then, click Done.  

Step 4: Creating Payment Requests

An Apple Pay payment request comprises a list of items for which the user initiates the payment, a list of available shipping methods, a description of shipping information that the user needs to provide, and information about the merchant and the payment processor.

For each of the things listed above, there is a coding snippet given Apple Developer’s website. You can refer to it to know more about the technical details. However, if you’re not well-versed with programming, connect with a top-rated app development company in Los Angeles. It will help you to perform this complicated task with ease. 

Step 5: Authorizing Payments

After successfully creating a payment request with Apple Pay, the next step is to authorize the payment. Two significant players play in authorizing payments - the payment authorization view controller and its delegate. 

The view controller focuses on billing and shipping information and allows users to authorize payments. On the other hand, delegate methods are for updating information when the user starts to interact with the application. For knowing more about this, follow Apple Developer’s site.

Step 6: Processing Payments

This is how Apple Pay process any payment:

  • Sending the payment info to the server along with other important information.
  • Verification of hash and signature of payment data.
  • The decryption of the encrypted payment data.
  • Submitting payment data to the payment processing network.
  • Submitting the order to the order-tracking system.

These six steps should help you seamlessly integrate Apple Pay with your apps. However, if you’re working on large-scale projects, security becomes paramount and it is advisable you can hire app developers who are experienced and skillful enough to do this task for you. 

Now, let’s analyze the popular startups in Los Angeles using Apple Pay as their payment provider.

Popular Startups in Los Angeles using Apple Pay

So far, you must have gotten familiar with Apple Pay and how one can leverage that into the iOS App. Now, let’s look at some of the LA-based businesses that are using Apple Pay and reaping rich rewards as well.

1. LA Metr 


In Sep 2020, Cubic Transporation Systems (CBS) partnered with LA Metro to provide Transit Access Pass (TAP) card on iPhone and Apple Watch. Riders will have once to add the TAP card into their Apple wallet, and they can easily pay the money for the metro ride with Apple Pay. 

Cubic’s mobile payments solutions have provided ease of access to the millions of commuters traveling through LA Metro. In this ease-of-living, Apple Pay is playing a major role. People don’t have to wait for ticketing/payment. This is a major transformation in public transport.

2. Healthavana - LA COVID-19 Vaccination


Healthvana, a Los Angeles-based healthcare startup founded in 2014 has software that helps to detect HIV. In 2020, this startup collaborated with the Los Angeles government to provide the results of the COVID-19 test.

Come 2021, and the startup is now working on storing the data of the people who have been vaccinated. They have integrated Apple Pay into their system to keep their COVID-19 vaccination report in their Apple Wallet and make a payment.

3. Dave - Banking For Humans

Dave is a banking startup in LA that is now helping 4 million people with all the major baking facilities. The bank's credit/debit card, i.e., Dave Card, is compatible with Apple Pay, Google Pay, and Samsung Pay. 

The banking startup shares a portion of its revenue to feed families and plant trees. Dave has become LA's new tech unicorn with $100 million in funding in just two years. The startup has grown exponentially due to its seamless payment facility, and Apple Pay has a significant role in it. It has helped Dave to widen their reach and become a standout among the competitors.


Digital Payments have become the new normal, and after the COVID-19 pandemic, mobile payments have accelerated to a greater degree. During this paradigm shift, Apple Pay has become the most popular choice among LA residents.  

With LA being on the verge of becoming the USA's next tech hub and one of the best startup cities, businesses in LA are looking for a way to integrate Apple Pay into their ecosystem. In this blog, we have provided a step-by-step procedure of how one can achieve it. 

Now, if you're running a startup in LA and want to integrate Apple Pay into your mobile application, then connect with us. We will seal the deal for you.

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