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Apple Pay Documentation

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cant add Apple Pay Mastercard test card
I recently created a Sandbox account and successfully added an Apple Pay test MasterCard to the sandbox Wallet to run a test. Yesterday, I created a different account and tried to add a MasterCard on another device, but I received a "Card device limit" error. I then deleted the card from the original device (where it had been successfully added) and tried to re-add it, but this device also failed. I was able to confirm that a JCB card can be added, but I need to test with MasterCard. What should I do to resolve this?
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232
Nov ’25
Apple Pay fractional amounts for RSD
Hello all, I’m helping a customer integrate Apple Pay, and I’m seeing a behavior I can’t fully explain. I hope someone here can help clarify whether this is expected or whether it’s a bug / misconfiguration on my side. Currency: RSD (Serbian Dinar) Amount: 3.45 RSD (two decimals) Result: Apple Pay cancels the payment automatically when the amount includes decimals, without even displaying the paymentsheet. Things I have checked: ISO 4217 defines RSD with 2 minor units, so fractional amounts like 3.45 should be valid. Processors treat RSD as a two-decimal currency. Apple’s documentation does not provide a per-currency decimal rule table. In testing, whole-number RSD amounts succeed, while fractional amounts (e.g. 3.45 RSD) fail. I did not encounter this problem with other currencies like EUR, USD. Has anyone encountered this issue before?
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113
Oct ’25
Apple Pay pre-auth: how to not show hold amount (gas-station style) for usage-based rentals?
We’re building a usage-based rental flow. The final charge is only known after the session ends (like gas pumps). We want the same Apple Pay UX that gas stations like at a gas station has: the user does not see a pre-authorization amount up front; they only see “approved” and later the final posted amount on the statement. What we observe (gas stations / desired UX) When paying at gas station with Apple Pay (card-present), the user confirms their card (double-tap) but no pre-auth amount is shown in Wallet/notification UI. The small notification is from the bank (not the merchant) and shows only bank + merchant name, no total. After fueling ends, the final amount appears on the statement from the merchant. What happens in our flow (current behavior) Platform: Apple Pay via Stripe (Apple Pay on the Web with QR → mobile Safari Wallet sheet). When a user confirms payment, the pre-authorization amount is shown immediately to the user (appears like a charge from the user’s perspective). We want to avoid showing that amount, matching the pay-at-pump experience.
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141
Oct ’25
Issue Retrieving Bound Cards in Wallet Extension Non-UI Extension
Hi, I’m encountering an issue in my app’s Wallet Extension, specifically within the Non-UI Extension, where we are unable to retrieve payment passes bound to a user’s account. The same code that successfully retrieves these bound cards in the main app does not work when used in the Non-UI Extension. Case-ID: 8932090 Steps to Reproduce: Set up In-App Provisioning: Ensure that the app has the necessary In-App Provisioning permissions. This functionality works correctly in the main app, confirming that the permissions are properly configured. Configure Wallet Extensions: Follow the Wallet Extensions documentation to configure the app, including all required settings for the Non-UI Extension. Add Code to Retrieve Payment Passes: In the main app’s LoginView, implement the following code in the handleLogin() method to retrieve payment passes: // Get the identifiers of payment passes that already exist in Apple Pay. paymentPassLibrary = self.passLibrary.passes(of: .secureElement) for pass in paymentPassLibrary { if let identifier = pass.secureElementPass?.primaryAccountIdentifier { if pass.isRemotePass && pass.deviceName.localizedCaseInsensitiveContains("Apple Watch") { remotePassIdentifiers.insert(identifier) } else if !pass.isRemotePass { passIdentifiers.insert(identifier) } } } Verify Functionality in Main App: Run the app and verify that the code successfully retrieves the payment passes bound to the user’s account. Implement Code in Non-UI Extension: Add the same code to the Non-UI Extension, specifically in the WNonUIExtHandler class within the override func status(completion: @escaping (PKIssuerProvisioningExtensionStatus) -> Void) method. Test in Wallet Extension: Run the Wallet Extension and observe that the payment passes are not retrieved when the code is executed in the Non-UI Extension. Has anyone encountered a similar issue or can provide insight into why the code might not work in the Non-UI Extension compared to the main app? Support Information: iOS Version: 17.5.1 Development environment: Xcode 15.4 (15F31d), macOS 14.3 (23D56) Any help or suggestions would be greatly appreciated. Thank you!
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Nov ’25
How to Adding credit or debit cards from a card issuer’s website
Hi, I understand that it's possible to add a virtual debit or credit card from a mobile app into the iOS Wallet using PassKit from the Apple SDK. However, I haven't come across documentation on how to achieve this directly from a web app. I found this article on Apple's support site (https://support.apple.com/en-gb/guide/security/secdc2567239/web), which mentions adding cards from a card issuer’s website, but it doesn’t provide details on the process. Could you please confirm if it's possible to add a card directly from a web app without using a mobile app? If so, could you guide me to the relevant documentation? Thanks in advance!
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Twitch Like Subscriptions - Many-to-Many
Hi guys, We are trying to implement a solution that would allow users to subscribe to other users in our app. The system should work the same way as Twitch's subscription model works. Users should be able to subscribe to anyone and each subscription should have different tiers. From what we were able to gather, users cannot have multiples of the same subscription on applestoreconnect. Meaning that we would probably need to make a custom subscription per every user? Here we have also learned that there is a limit of 10 000 types of subscriptions and that it is not possible to dynamically create/delete them for users. (correct me if I am wrong) Is there a solution for handling this type of a scenario? Appreciate all answers.
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May ’25
Apple Pay Merchant Validation TLS Error
Hello, Please help. We have been experiencing what appears to be a TLS handshake error in our Apple Pay merchant validation requests (2-way TLS) since June 25, 2025. We are aware of the encryption algorithm changes made in February 2025, and our system was functioning correctly at that time. However, the error started occurring suddenly and only recently. Could you please clarify the following points? Have there been any changes to the TLS configuration (cipher suites, certificates, protocol versions, etc.) on the Apple Pay server side since June 2025? Have there been any updates to the specifications or recommended settings for merchant validation requests? Is there any way to contact Apple for technical support regarding this issue other than through the Developer Forums? Our Merchant Identity Certificate has already been renewed and is confirmed to be valid.
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Oct ’25
Wallet Extension show tips "Cannot Add Card"
When integrating the Wallet Extension, after clicking my app icon from the "From Apps on Your iPhone" list, I encountered the message: "Cannot Add Card. '***' is not responding. Wait a few minutes and try again. If the problem continues, contact the card issuer's customer service" instead of the configured login page appearing as expected. What could be causing this issue, and how should I resolve it?
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400
Mar ’25
Unable to Add AMEX Card to Sandbox Account
I’m trying to test an AMEX card in the sandbox environment, but it’s not getting added. I have followed and verified the checks below to add the card to Wallet: Sandbox account is active. Sandbox user region is set to the US. Device region is also set to the US. AMEX card from the provided list is being added. Tested on iOS version 17.6.1 Devices tested include iPhone 13 and others. Steps followed to add the card to Wallet: Open Wallet and tap on "Add Card." Entered the required test data. Tapped "Agree" and waited. Received error: "Issuer does not support this card." Please let me know if you have any solutions.
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Jan ’25
Apple Pay Integration Issue: Payment Sheet Closing Immediately After Merchant Validation
I am facing an issue while integrating Apple Pay in my React.js application. The onvalidatemerchant callback works perfectly, and the merchant validation is successfully completed. However, after the Apple Pay session is validated, the payment sheet appears briefly and then closes immediately without triggering the onpaymentauthorized event. I have provided the relevant code snippets and API implementation below. I would greatly appreciate your insights on resolving this issue. import React, { useEffect, useRef, useState } from "react"; // Relevant imports const ApplePayButton = ({ paymentType, handlePayment, cartSummary }) => { const [applePaySession, setApplePaySession] = useState(null); const cartSummaryRef = useRef(cartSummary); useEffect(() => { cartSummaryRef.current = cartSummary; }, [cartSummary]); const setupApplePaySession = async () => { if (!window.ApplePaySession || !ApplePaySession.canMakePayments()) { console.log("Apple Pay is not supported on this device/browser."); return; } const paymentRequest = { countryCode: "US", currencyCode: "USD", merchantCapabilities: ["supports3DS"], supportedNetworks: ["visa", "masterCard", "amex"], total: { label: "Total", amount: `${cartSummaryRef.current?.total?.amount || "10.00"}`, }, requiredBillingContactFields: ["postalAddress", "email", "phone", "name"], }; const session = new ApplePaySession(6, paymentRequest); setApplePaySession(session); session.onvalidatemerchant = async (event) => { try { const response = await createAndValidateApplePaySession({ validation_url: event.validationURL, provider: "APPLE_PAY", }); if (response?.status && response?.data?.applePaySession) { const merchantSession = JSON.parse( response.data.applePaySession.session_details ); session.completeMerchantValidation(merchantSession); } else { console.error("Merchant validation failed: Invalid response."); } } catch (error) { console.error(`Merchant validation error: ${JSON.stringify(error)}`); } }; session.onpaymentauthorized = (event) => { console.log("Payment authorized:", event.payment); }; session.oncancel = () => { console.log("Payment cancelled."); }; session.onerror = (event) => { console.error(`Apple Pay error: ${JSON.stringify(event)}`); }; session.begin(); }; return ( <> {paymentType === "APPLE_PAY" && ( )} </> ); }; export default ApplePayButton; createAndValidateApplePaySession = async (data) => { const { validation_url } = data; const apiUrl = ${this.finixUrl}/apple_pay_sessions; const base64Credentials = Buffer.from(this.credentials).toString("base64"); const body = { validation_url, merchant_identity: process.env.FINIX_APPLE_PAY_MERCHANT_ID, domain: process.env.FINIX_APPLE_PAY_DOMAIN, display_name: process.env.FINIX_APPLE_PAY_DISPLAY_NAME, }; const requestData = { url: apiUrl, data: body, headers: { "Content-Type": "application/json", Authorization: Basic ${base64Credentials}, }, }; try { const response = await axios.post(requestData.url, requestData.data, { headers: requestData.headers, }); return response?.data; } catch (error) { console.error("Merchant validation failed:", error); return error; } }; Current Behavior: Apple Pay button renders successfully. Clicking the button triggers the setupApplePaySession function. The merchant validation completes successfully via the onvalidatemerchant callback, and a valid merchant session is received from the API. The Apple Pay sheet appears briefly and then closes immediately. The onpaymentauthorized callback is never triggered. Expected Behavior: The payment sheet should remain open after merchant validation, allowing the user to select a payment method and authorize the payment. The onpaymentauthorized callback should then be triggered to handle the payment token.
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584
Jan ’25
Merchant domain verification
Hello, I'm experiencing an irregular issue with Apple Pay merchant domain verification. As you know, Apple requires domain verification every two months to maintain Apple Pay functionality. The problem is that while the verification sometimes happens automatically without any issues, other times it fails to complete, even though the required file "apple-developer-merchantid-domain-association.txt" is correctly available on our server. When automatic verification fails, the Apple Pay service becomes non-functional on our website, forcing us to perform a manual verification to restore the pending service. Is it normal to encounter such inconsistent automatic verification processes? What could be causing these intermittent verification failures, whereas manual verification always succeed? suggesting this might not be related to IP address restrictions described on the Apple documentation. Thank you in advance,
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The Future of the PaymentRequest API
I am adding Apple Pay to my eCommerce site and I am having a lot of difficulty with the PaymentsRequest API in Microsoft Edge browser. I have a partial implementation that displays the Apple Pay button and creates a PaymentRequest when the button is clicked. That's all. On Safari, this is enough to display the Apple Pay dialog. The process doesn't proceed further because I haven't implemented a handler for the merchantvalidation event. With Chrome on a Mac, the behavior is the same, I can scan the code and see the Apple Pay dialog. On Microsoft Edge, I never see the code to scan. In my web console, I'm seeing errors like InvalidStateError: Failed to execute 'canMakePayment' on 'PaymentRequest': Cannot query payment request and NotSupportedError: The payment method "https://apple.com/apple-pay" is not supported. No "Link: rel=payment-method-manifest" HTTP header found at "https://www.apple.com/apple-pay/" Is Apple Pay not supported on Windows? I see the demo site here, which gets farther than I have gotten. It does display the scan code, but payment still never completes. I see the same payment-method-manifest error in the console. If Apple Pay is not supported on any PCs other than Macs, is there any reason to use the PaymentRequest API instead of Apple Pay JS? I started digging into the W3C standards and it turns out that merchantvalidation event is deprecated. Chrome on Mac does catch it, so it seems like it's supported there. But I have concerns about the long term future. Is it going to remain supported? If so, I would imagine that the interface could change. It seems like the only benefit of the W3C PaymentRequest API is that Mac users with non-Safari browsers may still be able to use Apple Pay. In theory, that's something I'd still like to support, even if it's only a small number of users, but I only have time for one integration right now, and I need to pick the best one. How much faith should I have in the W3C PaymentRequest API? Is it reasonable to pursue it with the goal of including all Mac users regardless of browser? Or is it likely a dead API and I should stick to Apple Pay JS instead to provide a better experience to Safari users? It also looks like the PaymentRequest API isn't fully finalized yet, so maybe that's the source of my issues. Maybe I should just use Apple Pay JS for now with an eye to supporting PaymentRequest when the spec is finalized. I greatly appreciate your input.
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Jan ’25
~15s Delay in startSession
Hello, We are experiencing a consistent delay when initiating Apple Pay sessions using the https://apple-pay-gateway.apple.com/paymentservices/startSession endpoint. Below is a detailed overview of our setup and the issue. Setup Our web service is hosted in AWS and there is a proxy server between our web service and Apple servers. We are passing the correct domain in the initiativeContext field of the startSession request. The .well-known/apple-developer-merchantid-domain-association file is hosted on a different domain, which is also correctly configured and associated with our merchant ID in the Apple Developer portal. Observed Behavior When the same request is made from a local development environment, Apple responds immediately (under 1 second). When the request is made from our AWS-hosted service, Apple responds with a valid session, but only after a consistent ~15-second delay. The content and response are otherwise identical — only the timing differs. We would appreciate any insights or suggestions from others who have faced similar behavior or from the Apple Pay team. Thank you in advance!
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Aug ’25
iOS 16 recurring payment configuration not reflecting in UI
We are integrating iOS 16 recurring payments in our app, everything works fine but we have a few questions Question 1 let recurringPaymentRequest = PKRecurringPaymentRequest(         paymentDescription: "Pro Membership",         regularBilling: regularBilling,         managementURL: url       ) we assume managementURL is supposed to come in the user's wallet where he/she can tap to change the recurring payment option to our backend, but in the wallet, the transaction appears without this URL and have no indication that it is a recurring payment, Can someone guide what we missed Question 2 For apps that only have apple pay on mobile, managementURL can open the app as a deep link from the Wallet app and the user can update or delete the payment method for the automatic reload payment from the app directly, Question 3 For cancellation, the recurring payment app should have some UI where the user can tap which hit our backend and remove the apple pay merchant token from our system and apply cancellation business logic, no apple API involves in the cancellation of recurring payment
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Sep ’25
Receiving 401 since Friday 24th Jan 2025 from https://apple-pay-gateway-cert.apple.com/paymentservices/registerMerchant
we are experiencing an issue when making an HTTP call to: "https://apple-pay-gateway-cert.apple.com/paymentservices/registerMerchant". The response we are receiving back is HTTP Status Code 401 Unauthorized. We noticed the issues started around "Jan 24, 2025 at 9:51:46.327 am" and is still carrying on. Some other examples of when the calls failed: Jan 27, 2025 at 3:04:31.387 pm Jan 27, 2025 at 9:46:04.068 am Jan 27, 2025 at 3:36 pm All of the above dates and times are UK GMT +0 times. As the problem is around HTTP status code of 401 Unauthorised its tough to show what's actually happening. Like I stated above everything was working correctly before the 24th of Jan and nothing has changed or been modified on our side. I have even tried to do the following: Use the first set of Certs to perform a test Still returns 401 Delete a Cert and re generating them from scratch to perform a test with those set of Certs Still returns 401 I have just tried to process another HTTP call to the paymentservices/registerMerchant and I could inspect the headers of the request and im hoping this helps in your investigation. Headers: x-keystone-correlationid = 8f9a3c16-f78f-4f9b-9484-63190ef14a77 Date = Tue, 28 Jan 2025 10:00:43 GMT x-envoy-upstream-service-time = 4 x-apay-service-response-details = via_upstream We also found an article that has us a bit worried about this issue. Article here: https://developer.apple.com/news/?id=2x8awlvm States that Apple/Apple Pay will be making some changes to the ciphers in the coming months. With this article and the issues we seeing on Sandbox Environment we are worried that come the 4th of February as stated in the article that our Production Environment will be effected and we will stop being able to use Apple Pay so that gives us about a week to fix any issues/change code that might come out of it. Please could you come back with some information around the Article posted and if our Production Environment would be impacted.
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Jan ’25
Sandbox Testing
Hi, I set up a Sandbox Tester account in my company’s Apple Developer Program and signed in on my iPhone under Settings → App Store → Sandbox Account. When I go to Wallet → Add, I only see options for Credit or Debit Card or Travel Card. The option to add an Apple Pay Sandbox Card is missing, and when I try entering the test card numbers from Apple’s documentation (developer.apple.com/apple-pay/sandbox-testing), the card is not valid. Has anyone experienced this and found a solution? Thanks! PS: I can't post this to Wallet Category, I keep getting error that it contains sensitive text.
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240
Sep ’25
Wallet Extension show tips "Cannot Add Card"
When integrating the Wallet Extension, after clicking my app icon from the "From Apps on Your iPhone" list, I encountered the message: "Cannot Add Card. 'XXX' is not responding. Wait a few minutes and try again. If the problem continues, contact the card issuer's customer service" instead of the configured login page appearing as expected. What could be causing this issue, and how should I resolve it?
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498
Oct ’25