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Apple Pay is a great way to accept payments from your customers. To access Apple Pay without an SSN you must first establish a business entity then apply for an employer identification number EIN. Once you have an EIN you can set up a business account with a bank or other financial institution that supports Apple Pay. You should also make sure that any financial or banking institutions you work with are aware that you have a business entity and will be using Apple Pay for transactions. Once this is done you can use Apple Pay for all of your business transactions without needing to provide any SSN information.