Merchant Decryption {#applepay-intro-integration-merch}
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For merchant decryption, you (the merchant or the integrator) manage all aspects of the Apple Pay implementation, from generation of the payment encryption keys to decryption of the payment response payload from Apple Pay. As a merchant, you submit the Apple Pay payment token and other payment information to `Bank of America` for processing. With merchant decryption, payment instrument details remain visible to you, and you control the technical development that decrypts this information.