Overview
Certain card limitations—specifically Offline PIN requirements common in specific markets—can lead to declined transactions on contactless payments.
To address this, our application includes a Payment Link Fallback feature. This ensures that even if a physical card cannot be processed via Tap to Pay, your merchants can still capture the sale through a secure, online alternative journey.
Note: Providing a fallback payment method for declined contactless transactions is a requirement for maintaining compliance with Apple’s Tap to Pay on iPhone standards in offline pin markets
How It Works: The User Journey
When a transaction is declined due to unsupported card types (such as offline-only PIN cards), the application automatically guides the merchant through a "Pay by Link" flow:
Transaction Declined: If the card cannot be processed, a "Transaction Declined" screen appears with a clear explanation.
Select Fallback: The merchant taps the "Pay by Link" button.
Customer Interaction: The merchant is presented with two options to facilitate the payment:
QR Code: The customer scans a generated QR code directly from the merchant's iPhone screen.
Email Link: The merchant enters the customer’s email address to send a secure payment link instantly.
Completion: Once the customer completes the payment via the online link on their own device, the merchant's app tracks the status to finalize the sale.
Pre-requisites :
Payment Gateway Integration: While our application provides the UI/UX and the sequence logic for the fallback journey, we do not provide the underlying online payment processing service yet. You must interface this flow with your existing online payment solution.
Customization & Setup: To ensure this feature works harmoniously with your specific back-end architecture, some implementation and configuration time will be required by your technical team. It is not a "plug-and-play" feature but rather a robust framework ready for integration.