User Journey: Express Checkout with Apple Pay

Journey Steps

This outlines the seamless user flow for your customers leveraging Banxa's Express Checkout with Apple Pay.

1. Partner Initiates Order:
   Your platform creates a buy order, specifying Apple Pay. This uses our existing Create Buy Order API call, with your account pre-configured for Express Checkout.

2. User Confirmation & Apple Pay:
   The user sees a single, concise page to confirm terms, country of residence, and then authorises payment via the Apple Pay button.

3. Instant Completion or Dynamic Onboarding:

   1. Express Tier Met: If the order (amount, region) meets Express Checkout limits, the transaction completes instantly after Apple Pay authorisation.
   2. Additional Verification: If limits are exceeded, the user is seamlessly directed to any necessary onboarding, like further KYC verification (/verification) or more comprehensive checks, based on our configured rules.

Current Express Limits:

• Europe & Canada: Up to €500 per single transaction for their first completed order.
• United States: Up to $250 per week (multiple transactions permitted).
  • Excludes NY, LA, TX, PA, WA, WI.
• Most of World: Up to €500 per single transaction for their first completed order.
  • Excludes Australia.