Headless Apple Pay (No Auth and No KYC) | Transak

Headless Apple Pay is a lightweight, embeddable UI module that allows partners to offer Apple Pay as a payment method directly within their own application without loading any widget.

Problem Statement

Currently, Transak requires loading the full widget for Apple pay, which forces users to go through multiple screens before reaching payment module. This creates friction and limits the partner control over the payment experience.

Here are some of the key challenges with the current approach:

Full widget required

Partners must load the entire Transak widget to confirm order with Apple pay as payment method.

Multiple screens before payment

Users navigate through several Transak screens before they ever see the Apple Pay button, increasing drop-off risk.

Disconnected payment experience

The payment flow feels separate from the partner’s own UI, breaking the continuity.

Limited partner control

Partners have no control over when or where Apple Pay appears as placement and styling are determined by the widget.

Our Solution

Headless Apple Pay exposes just the Apple Pay button as a standalone, embeddable component. Partners control where it sits, how it looks, and what happens after payment. Transak handles all the payment infrastructure in the background.

Here are some of the key benefits of the Headless Apple Pay solution:

Just the Apple Pay button

Embed only the Apple Pay button — no full widget required.

One tap to payment

Users see the Apple Pay button immediately and complete payment in a single tap, reducing drop-off.

Seamless checkout integration

The Apple Pay button sits inside the partner’s own checkout UI, keeping the experience continuous.

Full partner control

Partners decide where the button appears, how it looks, and what happens after payment.

How does it work?

Current Limitations

Limitation	Details
Headless Apple Pay APIs (Transaction Session API, Transaction Process API, Transaction Request Status API)	APIs are to be called only from the partner backend and subjected to the whitelisting of partner IP addresses. We don’t support API calls from the frontend due to security restrictions.
No supported device detection	The module does not check whether the user’s device supports Apple Pay. Partners must verify availability before loading the the Transak UI SDK.
Supported only for React Native integrations	The Transak UI SDK is currently available for React Native only. Web-based integrations are not supported at the moment.
Transaction Process API may timeout	The Transaction Process API can take time to process a request. In case of an API timeout or server error, poll the Transaction Request Status API to retrieve the current status of the transaction request.
Supported only for EU KYC users	The Headless Apple Pay (No Auth, No KYC) feature is currently supported only for EU KYC users. It is recommended that partners verify user eligibility via an IP based geography check before loading this flow. For broader coverage, please refer to Headless Apple Pay.

Coverage

Supported EU Regions

S.No	Country	Code
1	Andorra	AD
2	Austria	AT
3	Belgium	BE
4	Cyprus	CY
5	Czechia	CZ
6	Denmark	DK
7	Estonia	EE
8	Finland	FI
9	France	FR
10	Georgia	GE
11	Germany	DE
12	Greece	GR
13	Hungary	HU
14	Iceland	IS
15	Ireland	IE
16	Italy	IT
17	Latvia	LV
18	Liechtenstein	LI
19	Lithuania	LT
20	Luxembourg	LU
21	Malta	MT
22	Moldova	MD
23	Montenegro	ME
24	Netherlands	NL
25	Norway	NO
26	Poland	PL
27	Portugal	PT
28	Romania	RO
29	Serbia	RS
30	Slovakia	SK
31	Slovenia	SI
32	Spain	ES
33	Sweden	SE
34	Switzerland	CH

How to integrate?

Whitelist Your API Key & Enable Headless Apple Pay

Action
Follow the steps in the Need help in Integration section
Request API key whitelisting and ask to enable Headless Apple Pay for your API key
Share your public IP addresses with Transak for whitelisting to use our APIs in your backend

Generate a quote using the Quote API

Call the Get Quote API to get a quote for the transaction. Pass the apiKey, fiat amount, fiat currency, crypto currency, network, and order type.

Set paymentMethod to apple_pay while creating a quote.

A successful response returns a quoteId.

Create a transaction session (using Backend only)

Call the Transaction Session API from your backend using the quoteId and the user’s wallet address. You can optionally pass a config object to customise the look and feel of the Apple Pay component.

A successful response returns a sessionId.

Load the Apple Pay Component via Transak UI SDK

Use the Transak UI SDK to render the Apple Pay component. Pass the sessionId received in previous Step.

React Native

$ npm install @transak/ui-components-rn

1 import { TransakApplePay } from ‘@transak/ui-components-rn’;
2 
3 <TransakApplePay
4   sessionId={sessionId} // sessionId from Previous Step
5   environment={environment} // 'STAGING' | 'PRODUCTION'
6   onReady={() => {
7     // Component is ready
8   }}
9   onSuccess={({ requestId }) => {
10     // Payment data captured — use requestId in the next step
11   }}
12   onError={({ code }) => {
13     // Handle error
14   }}
15 />

Error codes

The onError callback receives a code value. Use it to handle specific failure scenarios:

Code	Description
`CONFIG_LOAD_FAILED`	Apple Pay configuration could not be loaded
`MERCHANT_VALIDATION_FAILED`	Merchant validation with Apple failed
`PAYMENT_CAPTURE_FAILED`	Apple Pay payment capture failed
`INVALID_OPTIONS`	Invalid or missing options passed to the SDK
`IFRAME_LOAD_FAILED`	The embedded iframe failed to load
`INVALID_STATE`	SDK method called in an unexpected state

Here’s how the Apple Pay module appears :

Process the payment with requestId (using Backend only)

Once the SDK fires onSuccess with a requestId, call the Transaction Process API from your backend to complete the payment and create the order.

A successful response returns the full order details.

Track the `requestId` (using Backend only)

Call the Transaction Request Status API to check whether the request has been processed. Poll this endpoint after calling the Transaction Process API until the status reaches a terminal state.

Once you receive an orderId, use the Get Order by ID API to fetch full order details.

API Overview

Transaction Session API

Creates a transaction session using a quote ID and wallet address, returns a sessionId to initialise the Apple Pay component.

Transaction Process API

Processes the Apple Pay payment using the requestId returned by the SDK’s onSuccess callback.

Transaction Request Status API

Polls the status of the requestId until it reaches a terminal state.

Errors & Fallback

API Errors

Transaction Session API

HTTP Status	Error Code	Message
422	6003	This feature is not enabled for your account. Please contact support.
422	6004	Apple Pay is not supported and is not part of this integration.
422	6005	Quote not found or could not be loaded.
422	6005	This payment method is not currently supported. Please try a different payment method.
500	6005	Failed to create a session for the user.
422	6006	The provided wallet address is invalid for the selected cryptocurrency and network.

Transaction Process API

HTTP Status	Error Code	Message
422	4001	Invalid wallet address. Please provide a valid wallet address to proceed.
422	4002	Please complete your KYC to place an order.
422	4003	Please upgrade your kyc to next level to proceed with this transaction.
422	4005	Order exists.
422	4006	Unable to create order.
422	4013	Minimum amount should be more than input amount.
422	4015	Invalid payment method for currency combination.
422	4016	FCA criteria not met, Please complete the assessments(For UK KYC Users).
422	4021	Something went wrong, try again later!
404	6007	Request ID not found.
422	6009	User account is disabled.
400	6010	Unable to create user account.
422	6012	KYC requirement is not approved for this transaction.
422	6014	Unable to process request. User location data is required for this transaction.
500	6099	Unable to process the order. Please try again.

Transaction Request Status API

HTTP Status	Error Code	Message
404	6007	Request ID not found.

Fallback

In case of the below error codes, partners should redirect users to the Headless Apple Pay (with Auth and KYC) as a fallback to ensure a smooth and uninterrupted experience.

HTTP Status	Error Code	Message
422	4002	Please complete your KYC to place an order.
422	4003	Please upgrade your kyc to next level to proceed with this transaction.
422	4016	FCA criteria not met, Please complete the assessments(For UK KYC Users).
422	6009	User account is disabled.
400	6010	Unable to create user account.
422	6012	KYC requirement is not approved for this transaction.
500	6099	Unable to process the order. Please try again.

The same applies if the Transaction Request Status API returns HTTP 200 with status as FAILED

1 //Sample response
2 {
3   "data": {
4     "status": "FAILED",
5     "reason": "User KYC is not approved."
6   }
7 }

Problem Statement

Our Solution

How does it work?

Current Limitations

Coverage

Supported EU Regions

How to integrate?

Whitelist Your API Key & Enable Headless Apple Pay

Generate a quote using the Quote API

Create a transaction session (using Backend only)

Load the Apple Pay Component via Transak UI SDK

React Native

Process the payment with requestId (using Backend only)

Track the requestId (using Backend only)

API Overview

Errors & Fallback

API Errors

Transaction Session API

Transaction Process API

Transaction Request Status API

Fallback

Interactive Demo

Track the `requestId` (using Backend only)