Support for mobile payment solutions (Apple Pay, Google Pay)

1) Why is it a mobile casino

Deposit conversion growth: one gesture/Face ID instead of entering a card on a small screen.
Speed: The average time to a successful deposit is reduced to a few seconds.
Trust: Wallet brand + biometrics = fewer payments thrown around.
Security: network tokens/cryptograms instead of transmitting PAN → lower the risk of compromise.
Native: UX meets the expectations of mobile users (iOS/Android).

2) What exactly to integrate

Apple Pay (web and native): Apple Pay JS in Safari/PKPaymentAuthorizationViewController in iOS application.
Google Pay (web and native): Google Pay API in Chrome/Android WebView/' PaymentsClient 'in Android application.
Payment networks: Visa, Mastercard, (optionally supported by the local payment environment; check with PSP).
Currency and rounding: AUD with explicit display of amount/fees.

3) UX flows (minimum friction)

Deposit from lobby

1. The user selects the amount → 2) tap on Apple Pay/Google Pay → 3) biometrics → 4) status "credited."
Guidelines:

• Large amount presets (+ fast entry).
• Visible limits, fees, ETA enrollment.
• RG curtain: "Set limit" next to the amount.
• Clear statuses: "processing in progress," "successful," "rejected," "repeat."

Re-deposit

One-tap from the card of the last method (if the wallet is available).
Idempotency of requests to exclude duplicates in retreats.

Folback

If the wallet is not available (device/browser): switching to PayID/POLi or a secure card form (Hosted Fields PSP).

4) Integration architecture (high-level)

Frontend: Apple Pay JS/Google Pay API → obtaining wallet token.
Backend: token transfer to PSP/gateway ('PAYMENT _ GATEWAY' mode), idempotent keys, logging.
Holder authentication: 3-D Secure 2 (push/built-in frame), folback on 3DS1 only if necessary.
Tokenization: device-bound/merchant-bound tokens → fewer fraud challenges for the issuer.
Observability: trace payment (trace id) through the front/backend/PSP, alerts by SLA auto solution.

5) Apple Pay: implementation features

Merchant Validation: file-domain association + server validation with Apple before the start of the session.
Payment Sheet: `supportedNetworks`, `merchantCapabilities` (включая 3DS), `countryCode: "AU"`, `currencyCode: "AUD"`.
Web: 'ApplePaySession' (support check, validation, authorization, completion).
iOS App: PKPaymentRequest → PKPaymentAuthorizationController.
UI details: dynamic amount update (promo/commission) before confirmation by biometrics.

6) Google Pay: implementation features

isReadyToPay → loadPaymentData → receiving'paymentMethodData. tokenizationData`.
TokenizationSpec: 'PAYMENT _ GATEWAY' (recommended) with PSP parameters.
allowedAuthMethods: 'CRYPTOGRAM _ 3DS' (preferred), 'PAN _ ONLY' - as PSP risk policy folback.
Environment: TEST/PRODUCTION with clear separation of keys and merchant.
WebView/Chrome: checking for GPay and graceful folback.

7) Safety and compliance

PCI DSS: minimize responsibility - wallets + Hosted Fields PSP; no PAN storage.
3DS2 is mandatory for high-risk scenarios adjust friction by segment (sum/frequency/device).
Antifraud: device fingerprint, velocity rules, black/gray lists, behavioral signals, recovery through SCA.
Idempotency: key per transaction/session → protection against re-posting.
Privacy: limit PII in logs; masking amounts/identifiers in client events.
RG-link: log of actions (limits/pauses) next to payment events for risk analysis.

8) Local features of AU (practical)

AUD as base currency; explicit fees and rate on conversions.
PayID/POLi as an add-on for folback and reach expansion.
AEST/AEDT time zones: exact ETAs of payouts/credits in the user UI.
Yur. Payment Methods page: current rules, limits, returns, disputes.

9) UX payment screen requirements (minimum)

Presets 4-6 amounts + input field.
Visible: AUD currency, fees, limits, credit time.
Apple Pay/Google Pay buttons above "card shape."
RG-CTA: "Set Limit" next to the amount.

10) Metrics and target thresholds

Speed and funnel

* Time-to-Deposit (TTD) p95 ≤ 10 seconds from the moment of tap on the wallet.
* CR Deposit (wallet) = successful deposits/attempts, segmentation by wallet/network/device.
*Drop-off on Pay Sheet≤ 8–10%.
* Retry Success Rate after soft-decline ≥ 50%.

Quality and risk

*Auth Rate(issuer approval) ↑; monitoring by banks/networks.
* Chargeback Rate↓ when switching to/3DS2 tokens.
* Fraud Reject Precision/Recall - balance of false positive/missed.

RG

* RG Uptake after Deposit - the proportion of users who included the limit after the first deposit.
* Average Deposit Frequencyc purses vs card-form (to control obsession - no pressure).

11) Risks and how to reduce them

Wallet unavailability (browser/device/region) → instant folback on PayID/POLi/card form.
Issuer failures/3DS friction → repetition with a lower amount, another authentication method, cause hints.
Duplicates in an unstable network → idempotency + in-process statuses and safe retray.
Stora policies (for applications) → checking local rules, domain separation for web payments.
Disputes/chargers → presentation process (evidence kit), SLA response, enrichment of device/session data.

12) Implementation Roadmap (MVP → scale)

1. PSP/gateway selection: Apple Pay/Google Pay support, 3DS2, tokenization, reporting.
2. Sandbox integration: Apple Merchant ID/Domain Validation; Google Pay TEST merchant.
3. Backend: token acceptance endpoints, idempotence, logging.
4. Frontend: payment widget, wallet availability check, amount presets, RG-CTA.
5. Risk profiles: 3DS2 rules, velocity, device-signals; antibot.
6. QA/SEC: e2e success/failure/retray tests; CSP/SRI; TTD perf threshold.
7. Pilot: 5-10% traffic, A/B vs map form; Auth Rate/TTD/Drop-off monitoring.
8. Scaling: 100% roll, adding PayID/POLi as folback; reporting and dashboards.
9. Optimization: tips on the reasons for failure, local presets of amounts, personal limits.

13) Release checklist

Apple Pay: domain validation, 'supportedNetworks', 3DS2 enabled
Google Pay: `isReadyToPay`, `loadPaymentData`, `PAYMENT_GATEWAY` настроен
Default AUD; fees/ETA visible
RG buttons/limits in the payment flow
Idempotency; correct statuses and retras
Anti-fraud rules and 3DS2 scenarios tested
Dashboards: TTD, Auth Rate, Drop-off, Chargeback Rate
Folback methods (PayID/POLi/card) work and are ranked by device
Privacy/Returns/Disputes Policies Updated

14) What the player gets

Quick and secure deposit in one or two taps through your usual wallet.
Full transparency of amounts, fees and statuses.
Game control: access to limits and pauses right next to the payment button.

15) Withdrawal

Support for Apple Pay and Google Pay is Australia's basic mobile casino standard in 2025. It accelerates deposit, increases conversion and builds trust while reducing risk through tokenization and 3DS2. Operators who implement frictionless wallets win with competent folbacks, visible RG and strict quality metrics.