Patrick,

Curious, was the majority of the work required to support ApplePay related to the format of the PKPayment? I assume in other cases, you just pass the raw PAN + pin, etc, where as now you need to pass the encrypted single use token + cryptographic data + more. Was more work required to support ApplePay?

And if so, did Visa/MC/Amex and the processing networks recently start supporting this payload, or has it been in place for some time?

Finally, what does Apple use the Merchant ID for?