Offering installment payments through Apple Pay is a powerful differentiator for online stores in Brazil. This is because the feature addresses two key payment behaviors that are distinctly Brazilian.
The first is the widespread adoption of digital wallets. According to a Morning Consult report, Brazil ranks fourth globally in e-wallet usage. A separate study by PYMNTS found that 84% of Brazilian respondents had used a digital wallet in the past 12 months, outpacing the global average of 74%.
PagBrasil data from Black Friday 2025 shows this is a growing trend: wallets such as Apple Pay and Google Pay saw a 168% increase in transaction volume compared to the previous year.
The second behavior is cultural: Brazilians have a deeply ingrained culture of installment payments. Market data indicates that more than 69% of Brazilians use installments when making purchases, a fundamental habit that makes higher-ticket items accessible. In other words, there is both a preference for the convenience of a fast, frictionless checkout and a genuine financial need for installment options.
So, is it possible to meet both of these demands with a payment solution that requires minimal development complexity?
Some Shopify merchants believe the answer is no — but we’ll show you that there is a simple, practical, and secure solution available.
Why offer Apple Pay in your Shopify store?
Apple Pay allows payments to be completed in just a few seconds, dramatically reducing checkout time.
Its key advantage is that it simplifies the checkout experience by eliminating the need to manually enter credit card details. The payment uses tokenized card information already stored in the wallet and validates the transaction through biometric authentication, creating a smoother purchase journey.
The result is fewer abandoned carts, higher conversion rates, and a faster, more seamless shopping experience.
This is particularly impactful on mobile, where typing in payment details and navigating multiple screens is inherently more cumbersome.
Beyond convenience, Apple Pay offers a high level of security through Face ID or Touch ID authentication and data tokenization technology.
Brands like Scarf Me and BOLD have already adopted Apple Pay through PagBrasil’s Shopify solution and seen significant results. In both cases, they experienced higher conversion rates on mobile devices and a smoother purchase journey, especially during high-traffic campaigns.
All of this with a simple, reliable integration via Shopify.
Can you offer installment payments with Apple Pay on Shopify?
Whether you can offer installment payments with Apple Pay on Shopify ultimately comes down to the payment partner you choose.
Some global solutions serving Brazilian merchants support Apple Pay but fail to deliver a plug-and-play, installment-ready solution for the Brazilian market on Shopify. In practice, merchants end up limited to lump-sum payments, missing out on opportunities to increase average order value and reduce cart abandonment.
Implementing installments independently requires complex layers of development, negotiation, and specific authorizations from Apple and the card networks — all well beyond the reach of companies that are not payment processors themselves.
PagBrasil simplifies this entire process by delivering a ready-to-use solution that enables installment payments directly on Shopify, allowing merchants to offer customers the option to pay in up to 12 installments.
All of this with a streamlined setup and specialized support, ensuring a robust operation for high-volume stores.
How do installment payments on Apple Pay increase average order value?
Offering flexible installment options is a decisive factor for stores selling high-value goods and services.
Unlike other markets, Brazilian consumers already expect to find installment options at checkout, even when using digital wallets like Apple Pay. Rather than abandoning a high-ticket purchase or waiting to buy it outright, the most common behavior is to spread the cost across monthly payments and manage the invoices over time.
As a result, customers begin to consider more expensive options, product upgrades, and complementary purchases, since the monthly amount becomes far more manageable. This shift in perception directly impacts average order value, which tends to rise without any need to change the product mix or store messaging.
A practical example: imagine a premium fashion store selling a coat for R$ 2,500. Without installments, that item is out of reach for a large portion of potential customers. With the option to split it into 10 installments of R$ 250 via Apple Pay, the barrier to entry disappears, and the experience remains seamless, secure, and mobile-first.
Another important consideration is the possibility for merchants to pass interest rates on to the consumer, allowing them to offer longer installment plans without compromising profit margins.
Going back to the coat example, a merchant could set a rule allowing interest-free installments up to the fifth payment. For instance:
- Installments 1 to 5: R$ 250 (interest-free)
- Installments 6 to 10: R$ 275.88 (with 1.49% monthly interest)
PagBrasil’s solution offers the flexibility to tailor this logic to each business’s commercial strategy.
Is Apple Pay safe against fraud?
Apple Pay is widely regarded as one of the most secure payment methods on the market, and that reputation is backed by the technology embedded in Apple devices themselves.
Every Apple Pay transaction uses a device-specific account number that is encrypted and stored in a dedicated chip called the Secure Element. Rather than sharing actual card details, the system generates a token that is valid for that transaction only. On top of that, authentication is handled through biometrics (Face ID or Touch ID), preventing unauthorized use even if the device is lost or stolen.
This combination of biometric authentication and tokenization dramatically reduces fraud risk. While Liability Shift (the transfer of chargeback responsibility) may apply to authenticated transactions according to card network and issuer rules, the greater benefit for merchants is preventive security: it significantly reduces the need for manual review and rigid fraud screening.
In practice, this brings operational risk close to zero, with no need for additional anti-fraud tools or manual analysis of these purchases.
For merchants, Apple Pay delivers something rare: a solution that is simultaneously more convenient for the customer and more secure for the business.
How to enable installment payments with Apple Pay on Shopify using PagBrasil?
Getting Apple Pay with installments up and running on Shopify is straightforward — no complex coding required. Here’s how to get the solution live in your store:
- Talk to a PagBrasil specialist: Reach out to understand the terms and open your merchant account.
- Install PagBrasil Checkout on Shopify: Head to the Shopify App Store and install the official app.
- Configure Apple Pay as a payment method: Follow the integration guide to enable it across compatible browsers and devices.
- Enable installment payments with Apple Pay: Set your maximum installment conditions and interest pass-through rules directly within the integrated settings.
- Test the checkout experience: Run tests in a secure environment to make sure everything is working as expected.
- Monitor your results: Track your conversion metrics and keep an eye on performance after going live.
Activate Apple Pay with PagBrasil and boost conversion and average order value
The combination of Apple Pay and installment payments solves one of the biggest dilemmas in Brazilian e-commerce: how to offer a fast and secure shopping experience without giving up the payment flexibility that consumers expect.
With PagBrasil’s solution, Shopify merchants can enable this functionality easily, with no coding required and full compatibility for high-volume operations.
It brings together mobile conversion, higher average order value, and anti-fraud security — all in just a few clicks.
Want to learn how to implement this solution? Talk to a PagBrasil specialist today and enable Apple Pay installments in your Shopify store.
