Integration · Payments
With the Apple Pay integration, your customers pay invoices from Armiflow on their iPhone, iPad or Mac. The payment runs through a payment provider such as Stripe or Klarna; Armiflow itself is not a payment provider. The invoice, its status and dunning stay in Armiflow.
Via Stripe or KlarnaFor iPhone, iPad and MacPart of Invoicing & dunningScope shown in the app
Paid with Apple PayExample · via KlarnaApple Pay is Apple’s payment method, used to pay on an iPhone, iPad, Mac or Apple Watch. With the Apple Pay integration, Armiflow offers Apple Pay as a payment option for invoices in the Invoicing & dunning feature, via a payment provider such as Stripe or Klarna. Whether Apple Pay appears depends on what is enabled in your account with the provider.
Benefits
Every invoice from Armiflow is checked against § 11 of the Austrian VAT Act (UStG, RIS), which matters for businesses in Austria and Germany. With Apple Pay, your customer then confirms the payment on their own device, without typing in card details or account numbers.
Anyone with an iPhone has often already set up Apple Pay and uses it every day. You carry this habit over to your invoices: the customer opens the invoice, chooses Apple Pay and confirms. The hurdle is small, and many invoices are settled before they slip down the inbox. Your team writes fewer reminders.
There is always a payment provider behind Apple Pay. Armiflow does not accept money; it links the invoice to your account with a provider such as Stripe or Klarna. There you enable payment methods and manage fees and payouts. In Armiflow you see which invoices are paid and which are still open.
At a glance
The key facts about the Apple Pay integration in Armiflow, in short.
| Item | Details |
|---|---|
| Tool | Apple Pay |
| Category | Payments |
| Used in Armiflow | Invoicing & dunning |
| What Armiflow does with it | Offer Apple Pay for invoices via Stripe or Klarna. |
| Status | Available |
| Credentials | Stored encrypted, roles and 2FA for your team |
| Approval | Customer emails and actions involving money only after your confirmation |
In 4 steps
You use an account with a provider such as Stripe or Klarna through which Apple Pay runs.
You connect the provider to Armiflow; credentials are stored encrypted.
In Invoicing & dunning, Apple Pay is available once it is active with the provider.
Pay a small test invoice on an Apple device and check the status.
How it fits together
Security & data protection
Encrypted credentials. Whatever you store for Apple Pay in Armiflow is encrypted. Every customer account has its own database schema and daily backups.
Team roles. With roles and two-factor sign-in you decide who on your team may use or change the Apple Pay connection.
Your approval counts. Customer emails only go out after you approve them, and actions involving customers, money or deletion wait for your confirmation in the chat.
GDPR covered. Access and erasure under Art. 15 and 17, consent per channel and the public-authority filter apply to all data in Armiflow.
FAQ
Short, clear answers about this feature. Missing a question? Write to support@armiflow.com.
With the Apple Pay integration, customers pay invoices from Armiflow on their iPhone, iPad or Mac with a quick confirmation. This shortens the path from invoice to payment, because nobody has to type in bank details. The payment runs through a provider such as Stripe or Klarna, and the feature is part of Invoicing & dunning.
No. Armiflow is not a payment provider and does not accept money. Apple Pay payments are processed by a provider such as Stripe or Klarna, where you hold your own account. You manage fees and payouts there. Armiflow links the invoice to this provider and shows you the status.
You need an account with a payment provider such as Stripe or Klarna on which Apple Pay is enabled as a payment method. You connect this provider to Armiflow, and the credentials are stored encrypted. This lets you accept Apple Pay without storing any payment details of your own in Armiflow. The app shows the exact steps.
Apple Pay works on Apple devices such as iPhone, iPad, Mac and Apple Watch, provided the customer has set it up. If they open the invoice on such a device, they can pay with Apple Pay. On other devices, they see the other payment options that are active with your provider.
Often, yes, for managing directors, freelancers and small companies that approve invoices on their iPhone. Larger business customers with their own accounts department and payment approval usually pay by bank transfer instead. The Apple Pay integration is therefore a convenient addition for quick payments, while classic bank transfer remains available.
No, a payment provider is always needed. The Apple Pay integration runs through a provider such as Stripe or Klarna, because Armiflow does not process payments itself. Which providers support Apple Pay for your account and what the connection looks like in detail is shown in the app.
Yes. Armiflow checks the invoice against § 11 of the Austrian VAT Act (UStG) before your customer pays it, with gap-free numbering, correct tax rates and cancellation instead of editing. Small business rules and reverse charge are taken into account. The Apple Pay integration only affects the payment method, not the content of the invoice.
Which payment options a customer sees depends on the payment methods with your provider and often on the customer’s device. On an Apple device with Apple Pay set up, it usually appears alongside other options such as card. The app shows what the selection looks like in your case when you test it.
Yes. Dunning with first and second reminders and fees works independently of the payment method. If your customer opens a reminder on their iPhone, they can pay straight away thanks to the Apple Pay integration. So connecting Apple Pay with Armiflow costs you no feature; it adds a fast route to payment.
No. With Apple Pay, card information stays with the customer and the providers involved, meaning Apple and your payment provider. Armiflow only stores the encrypted credentials for your provider. Your invoice and customer data sit in a separate database schema, with two-factor sign-in and daily backups.
The customer receives the invoice from Armiflow, opens it on their iPhone and chooses Apple Pay. They confirm the payment on the device as they do every day, without typing in any details. The money reaches you through your payment provider, and in Armiflow you track whether the invoice has been paid.
Check with Stripe or Klarna whether Apple Pay is enabled, which account payouts go to and which terms apply. Decide who in the team manages the access. Then test the Apple Pay integration with a small invoice on a real Apple device.
Often Apple Pay has not yet been enabled with the payment provider, or the test runs on a device without Apple Pay set up. A wrong payout account sometimes only shows up late, too. So test the Apple Pay integration on an iPhone with Apple Pay and check the first payout.
A small number of people, usually management or accounts. You enable the payment method with the payment provider, and in Armiflow roles and custom roles define who edits invoices and credentials. Armiflow AI always waits for your confirmation for actions involving money, so control stays with the team.
Name your payment provider and Apple as recipients of payment data and explain that the data is used to process the payment. Check the terms with the providers. For data in Armiflow, access and erasure under GDPR Art. 15 and 17 are provided for. If in doubt, have the text reviewed by a lawyer.
Apple Pay payments run through your payment provider. For Stripe, Armiflow’s bookkeeping reads the Stripe statements from PDFs; for other providers, the app shows what is included. The month-end checklist, the email to your tax adviser with VAT figures and exports for BMD, RZL, DATEV and CSV help with closing, especially for businesses in Austria and Germany.
That depends on your payment provider. In Armiflow, both run through a provider such as Stripe or Klarna. If both payment methods are active there, you reach iPhone and Android users alike. Which option a customer sees is usually decided by their device. Test both variants before going live.
Yes, because deposits should be settled quickly so the work can start. With Apple Pay, your customer confirms the amount in seconds. For requests and development enquiries, Armiflow explicitly provides for acceptance with card payment. Whether Apple Pay is offered there is shown in the app.
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