Just wanted to mention that if I understood your sentence correctly I think this "The iPhone sends an authorization request to the payment network." is not correct, as Apple Pay without any internet, just like the credit or debit card itself, so the iPhone itself doesn't have to communicate with the payment network, it's all done by the PoS.
An article on Unified Payments Interface (UPI) would be amazing explaining how is it supporting 1.45 Billion people of India with no fee from the users.
Great write-up and nice graphics 🤌
Just wanted to mention that if I understood your sentence correctly I think this "The iPhone sends an authorization request to the payment network." is not correct, as Apple Pay without any internet, just like the credit or debit card itself, so the iPhone itself doesn't have to communicate with the payment network, it's all done by the PoS.
ah, good catch! you're right.
An article on Unified Payments Interface (UPI) would be amazing explaining how is it supporting 1.45 Billion people of India with no fee from the users.
“The iPhone regenerates the response cryptogram using the request cryptogram, DAN, and response code.”
At what point does the iPhone get the response code? I thought the payment network sent the response data to the card reader?