Two Apple Pay Decryption Methods {#applepay-intro-built-in-hooks}
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Integration hooks for two Apple Pay decryption methods are built into the `Bank of America` payment management platform. The two decryption methods---`Bank of America` decryption and merchant decryption---handle Apple Pay encrypted payment data differently. You will integrate the decryption method that best suits your technical development environment in terms of desired degree of exposure to, or control over, sensitive payment information.
IMPORTANT The Apple Pay decryption method that you integrate determines how you will format your API request messages when you authorize a payment or process a sale.  
To integrate Apple Pay into your system, you simply register with both Apple and `Bank of America`, generate keys and certificates (or `Bank of America` creates and manages them on your behalf), and place the Apple Pay mark on your app or web page. This guide includes instructions for integrating Apple Pay on `Bank of America` into your system. The instructions cover both of the Apple Pay decryption methods.