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This document outlines the mandatory operational, compliance, and conduct requirements that BaaS clients must follow when participating in Apple Pay through BFinance. Failure to comply may result in suspension of the Apple Pay program for the affected card program.

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Strict prohibition on Apple Pay fees

Clients must:
  • Not charge end users any additional fee for:
    • Adding a card to Apple Pay
    • Using Apple Pay
    • Receiving refunds via Apple Pay
  • Not pass through Apple Pay-related platform costs to individual cardholders.
This is a zero-tolerance requirement.

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Non-discrimination against Apple Pay

Clients must not:
  • Artificially increase decline rates for Apple Pay transactions.
  • Apply different fraud thresholds specifically targeting Apple Pay.
  • Degrade user experience compared to other mobile wallets.
  • Restrict Apple Pay where comparable payment methods are allowed.
Apple Pay must be treated consistently with other similar-risk payment platforms.

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Provisioning compliance

Clients must:
  • Follow Apple provisioning specifications.
  • Use Apple provisioning data strictly for tokenization decisioning.
  • Delete Apple provisioning data immediately after provisioning decision.
  • Never store Apple provisioning data.
  • Never use Apple provisioning data for marketing or customer acquisition.
Improper use or storage of provisioning data creates immediate suspension risk.

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Customer support standards

Clients must maintain:
  • Dedicated support coverage for Apple Pay provisioning issues.
  • Clear escalation paths for tokenization and transaction failures.
  • Trained staff capable of handling Apple Pay-related inquiries.
Support levels must not be inferior to those for other digital wallet providers.

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Branding and marketing controls

Clients must:
  • Not use Apple trademarks without prior written approval.
  • Not run paid advertisements using Apple marks without explicit consent.
  • Not issue press releases referencing Apple Pay without coordination.
  • Follow Apple Brand Guidelines when approved to use marks.
Unauthorized branding use is grounds for immediate suspension.

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Confidentiality requirements

Clients must:
  • Protect Apple confidential information.
  • Not publicly disclose Apple Pay metrics.
  • Not announce Apple Pay participation before public launch approval.
  • Not share Apple documentation externally.
Unauthorized disclosure may trigger platform suspension.

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Prohibited conduct

Clients must not:
  • Use Apple Pay data for cross-selling or solicitation.
  • Attempt to reverse engineer Apple Pay technology.
  • Assert intellectual property claims against Apple related to Apple Pay.
  • Introduce operational changes that materially alter Apple Pay functionality without approval.

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Suspension triggers

The following may lead to immediate suspension:
  • Security breach impacting Apple Pay environment.
  • Material breach of compliance obligations.
  • Unauthorized storage of provisioning data.
  • Improper trademark use.
  • Regulatory violations affecting the card program.
  • Bank termination of Apple Pay issuer agreement.
Clients must immediately notify BFinance of any event that could fall into these categories.

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Mandatory escalation

Clients must immediately notify BFinance if:
  • There is a suspected data breach.
  • There is a regulatory inquiry affecting Apple Pay.
  • Fraud spikes materially.
  • There is a material operational change to the card program.
  • They intend to change issuing bank arrangements.
Failure to escalate in real time increases suspension risk.

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Zero Tolerance Areas

The following are considered non-negotiable:
  • No Apple Pay fees to end users
  • No provisioning data storage
  • No unauthorized branding usage
  • No discrimination against Apple Pay
  • No misuse of Apple confidential information