Adding Apple Pay and Google Pay to Your Website Checkout

How Apple Pay and Google Pay work on a website

Both are wallets. The customer's real card is stored in Apple Wallet or their Google account, and at checkout they confirm with Face ID, a fingerprint or their screen lock. Your gateway receives a card payment as usual, so the money, refunds and disputes follow your normal card process.

Stripe's Apple Pay documentation says customers can pay on iPhone, iPad, Mac or Apple Watch, and that Stripe handles Apple's 'merchant validation' for you, so you don't create an Apple Merchant ID or certificate. Its Google Pay documentation says customers can use any card saved to their Google account, and that by integrating Google Pay you agree to Google's terms of service.

What Apple Pay and Google Pay cost in Singapore

Neither Apple nor Google charges the business here; the gateway charges its card rate.

Stripe's Singapore pricing page states that card pricing applies to Apple Pay and Google Pay. HitPay's pricing page lists Apple Pay and Google Pay under domestic and international cards. PayNow is cheaper on both if your customers are local; our Stripe fees guide and payment gateway comparison work through the numbers.

Setting up Apple Pay and Google Pay with Stripe

Most of the work is one-off and takes under an hour on a standard site.

1. 1

   Turn the wallets on

   In the Stripe Dashboard, open your payment method settings and switch on Apple Pay and Google Pay for the checkout you use.

2. 2

   List every domain that shows the button

   Stripe says you must register top-level domains and subdomains separately, for example example.com, www.example.com and shop.example.com.

3. 3

   Register the domains in live mode

   Stripe's domain registration guide says domains registered in live mode are also registered in sandboxes, and reminds you to register live before going live. A registered domain is then ready for other wallets you add later.

4. 4

   Use HTTPS everywhere

   Wallet buttons only work on secure pages. For local testing Stripe suggests a tool such as ngrok to get an HTTPS address.

5. 5

   Test on real devices

   Check an iPhone in Safari and an Android phone or desktop in Chrome, each with a card added to the wallet.

Setting up Apple Pay and Google Pay with HitPay

HitPay offers Apple Pay and Google Pay as part of its card payments, on its hosted checkout, payment links and plugins.

• Enable cards in your HitPay dashboard's payment methods; HitPay's payments guide says payment methods and business verification are both needed before payments go live.
• For Shopify or WooCommerce, choose the payment methods in the HitPay integration settings, as described in HitPay's plugin docs.
• On HitPay's checkout, HitPay's Ecwid plugin docs note that Apple Pay and Google Pay appear once the customer selects cards, and only in a browser that supports them, with Apple Pay limited to Safari.
• Card payouts, including wallet payments, follow HitPay's card balance schedule rather than the next-day PayNow schedule.

If you are still deciding between the two gateways, our HitPay vs Stripe guide compares them for Singapore businesses.

Why the Apple Pay or Google Pay button isn't showing

A missing button is the most common complaint, and usually it is the customer's set-up rather than yours. Stripe's wallet testing page lists the conditions.

Testing before you go live

Wallet buttons depend on the device, so test with real phones, not just a desktop browser.

Stripe's testing page links live demo integrations, which show whether a missing button is your site's problem or the test device's: if the demo shows Apple Pay and your site doesn't, look at your domain registration and settings.

Do it yourself or get help?

If you sell through Stripe Payment Links, HitPay links or a platform plugin, turning wallets on is a dashboard switch you can do yourself. A custom-built checkout with several subdomains, or a site where the button appears on desktop but not on phones, is where a few hours of someone else's debugging saves a lot of trial and error.

Our Online Payment Setup (S$290) sets up Stripe or HitPay in your name with PayNow, cards, Apple Pay and Google Pay enabled, adds checkout or payment buttons to your website, creates reusable payment links and runs test transactions with you. You pay the gateway's fees directly; IT Sorted takes no commission.