title: Working of Apple Pay in iOS swift
body: <p>I have integrated the code required for Apple Pay in my app based on the documentation available with Apple.
  However, as a beginner, I have a doubt.</p>
  
  <p>We have not used any third party payment processors like PayPal, Stripe etc. 
  Is it mandatory to use a third party processors? Can we just use the code and passbook/wallet and do the transactions?</p>
  
  <p>Note: Merchant IDs, Payment certificates are created in the developer account.</p>