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Discuss how to integrate Apple Pay into your app for secure and convenient payments.

Apple Pay Documentation

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PKAddPaymentPassError
please bear with me, i am NOT a developer. we have third party developer creating a banking app that is throwing an error when trying to provision MasterCard for Apple Pay. MasterCard says they do not see the request come in at all. our developer says the issue is between mastercard and apple - and asked us to reach out to Apple. Information provided from our developer: “Error code 2 is 'system cancelled' from the PKAddPaymentPassError enum. Basically, there is an issue between Apple and Mastercard (using the encrypted card info from...” Response from Mastercard Connect: Upon further research with the examples you shared we are not seeing any attempt that reached to MC
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72
May ’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
Apple Pay Pass Verify same card on Apple Watch App and Wallet Iphone
Hi Guys, I am having an issue verifying a card when it is pending verification in the Apple Watch Wallet App and the iPhone Wallet. When the user verifies the card in the wallets, they are redirected to verification in my APP. However, the problem is that I don't know which application is calling, whether it is the Apple Watch or the iPhone, because the URL sends me the same serialNumber from the PKPASS. It is impossible to know if the user wants to verify and activate the card on the watch or the iPhone. Because I only receive the following information in the URL: myapp://app-url? passTypeldentifier=paymentpass.com.apple&action =verify&serialNumber=***** The serialNumber is the same from the iPhone Wallet and the Watch Wallet. func application(_ app: UIApplication, open url: URL, options: [UIApplication.OpenURLOptionsKey : Any] = [:]) -> Bool { let source = options[.sourceApplication] I try to retrieve the source, but it comes back null. It would be the only way to know the originating App. Can someone help me solve this problem?
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80
Apr ’25
Obtaining documentation for In-App Provisioning after receiving entitlement
We are an issuer attempting to implement In-App Provisioning of Payment Cards leveraging Mastercard MDES and have successfully obtained our entitlement from Apple, but have not received the documentation titled "Getting Started with Apple Pay In-App Provisioning, Verification & Security". The latest copy I have found has been via Scribd for a version 3.0 from June 2020. I've tried contacting Apple Support and the In-App Provisioning Entitlements group but have had no luck. Thank you!
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93
Oct ’25
Automation on apple pay certificates
Hi! I am working on automating the Apple Pay integration process in our CI/CD pipeline and would like to confirm whether a fully automated setup is currently possible for our preproduction environment. Right now, our process is as follows: A certificate is generated for the root domain and for each individual merchant subdomain. Both certificates are manually uploaded to our preproduction servers to test and verified via HTTP. We’d like to automate this flow in GitLab CI, mainly the generation of the necessary certificates programmatically or via API. However, from my research, it seems that Apple does not currently provide an API or any support to automate this task, but I’d like to confirm this directly with you. Is there any official support or workaround for this kind of automation? If not, do you have any plans to provide it in the future? Thanks in advance for your help.
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74
Oct ’25
Apple Pay Test Environment - The Right Way
Hi team, We were wondering what's the correct way of configuring a test environment with Apple Pay. Not sure if this is explicitly mentioned in the documentation, but in order to avoid having the same certificates shared between test and production, should we have a different merchant identifier (and pair of certificates) for test purposes only? The above is the main question. However, two follow up questions: Do you know if payment processors usually allow the merchant ID to be configured, so that only payments generated with the prod certificates can be accepted? Is there any risk of someone getting hold of the certificates generated for the test environment (which are usually less safe than production) and using that to process payments in production?
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541
Feb ’25
[Apple Pay]how to update multiTokenContexts when PKPaymentRequestShippingContactUpdate method trigger
multiTokenContexts is defined as follows (https://developer.apple.com/documentation/passkit/pkpaymentrequest/multitokencontexts) You can assign a value when initializing PKPaymentRequest (https://developer.apple.com/documentation/passkit/pkpaymentrequest). However, in actual usage scenarios, when the Apple Pay address changes and PKPaymentRequestShippingContactUpdate (https://developer.apple.com/documentation/passkit/pkpaymentrequestshippingcontactupdate) is triggered, how to update multiTokenContexts? The documentation and code do not provide updates for this parameter. In contrast, Apple Pay on the Web provides newMultiTokenContexts as an update when ApplePayShippingContactUpdate (https://developer.apple.com/documentation/apple_pay_on_the_web/applepayshippingcontactupdate) is triggered. Has anyone encountered this problem? Would you happen to have any solutions? Thank you.
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430
Jan ’25
Apple Pay on Google Chrome
Hi - I have a question. I am trying to understand when Apple Pay will be available on non-IOS desktop devices (specifically Google Chrome). I was hoping to understand better the process, specifically the following: How can I get the Apple Pay QR code installed on my desktop checkout page on Google Chrome? How long does this process usually take? If I work with Stripe, do I need to get approval from them to install the Apple QR code onto my Google Chrome checkout page? Is this readily available to all merchants (i.e., installing Apple Pay on Google Chrome)/ I have not seen this on any other checkout pages yet. Are there any examples you could point me to of merchants that have installed Apple Pay onto non-IOS desktop so I could trial the process (i.e., a list of existing merchants that have put the QR code onto their Google Chrome checkout pages)?
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1.9k
Sep ’25
Apple Pay JS - completeMerchantValidation not triggered
When I click to my Apple Pay button, my function below doesn't trigger the completeMerchantValidation method as expected, but the oncancel method (which logs errorCode "unknown" in Safari developer tools) : const processApplePayment = async () => { if (window.ApplePaySession) { const session = new window.ApplePaySession(6, { countryCode: 'FR', currencyCode: 'EUR', merchantCapabilities: ['supports3DS'], supportedNetworks: ['visa', 'masterCard'], total: { label: `Bon d'achat ${partnerName}`, type: 'final', amount: cartTotalValue.toString() } }); session.onvalidatemerchant = async event => { try { const merchantSession = await validateMerchantSession(event.validationURL); console.log('merchant session : ', merchantSession); if (!merchantSession) { console.error('Invalid Apple Pay merchant session'); } session.completeMerchantValidation(merchantSession); } catch (error) { console.error('merchant validation error : ', error); session.abort(); } }; session.onpaymentauthorized = async event => { console.log('payment authorization event : ', event); try { const link = await authorizePayment( event.payment.token, userInfo, partnerId, order.id ); console.log('payment authorized link : ', link); window.location.href = link; } catch (error) { console.error('Apple Payment authoriation error : ', error); const errorUrl = `${PATH.EBON_ERROR_PATH}-${partnerId}?paiement=error&orderId=${order.id}`; window.location.href = errorUrl; } }; session.oncancel = event => console.log('Apple Pay cancel event : ', event); session.begin(); } }; The validateMerchantSession function successfully returns this payment session from Apple server : { "epochTimestamp":1739279973502, "expiresAt":1739283573502, "merchantSessionIdentifier":"SSH108C7ED6746A48E38EA8D253D33CCAA5_916523AAED1343F5BC5815E12BEE9250AFFDC1A17C46B0DE5A943F0F94927C24", "nonce":"150de193", "merchantIdentifier":"11CA4E31493E748848A91A0DAB1685A8417C41B62B9863EF59A618B91239471A", "domainName":"lesnumeriques-bonsdachat.htmal1.com", "displayName":"Les Numériques", "signature":"308006092a86...779cd643c000000000000", // long string "operationalAnalyticsIdentifier":"Les Numériques:11CA4E31493E748848A91A0DAB1685A8417C41B62B9863EF59A618B91239471A", "retries":0, "pspId":"11CA4E31493E748848A91A0DAB1685A8417C41B62B9863EF59A618B91239471A" } What could I do wrong and how could I fix it please ?
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351
Feb ’25
Apple Pay Web Merchant Registration Authentication Requirements
I am trying to do a mass enablement of a merchant ids for a psp. The ids have been approved by apple. I am attempting to add more using the Post Request: https://apple-pay-gateway.apple.com/paymentservices/registerMerchant (https://developer.apple.com/documentation/applepaywebmerchantregistrationapi/register_merchant) but am always getting a Refuse to connect error. What authentication is required to get a 200 successful response?
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812
Feb ’25
Issue with the ApplePay SSL server certificate
Hi support, Since June 26th 2025 we are experiencing an issue with the ApplePay SSL server certificate installed on our servers in Production environment. We are facing an exception error during the initializing of a payment session while calling the url: https://apple-pay-gateway.apple.com/paymentservices/startSession The exception is Untrusted Server Certificate Chain: javax.net.ssl.SSLHandshakeException: java.security.cert.CertificateException: Untrusted Server Certificate Chain       at sun.security.ssl.Alerts.getSSLException(Alerts.java:192)       at sun.security.ssl.SSLSocketImpl.fatal(SSLSocketImpl.java:1915)       at sun.security.ssl.Handshaker.fatalSE(Handshaker.java:306)       at sun.security.ssl.Handshaker.fatalSE(Handshaker.java:300)       at sun.security.ssl.ClientHandshaker.serverCertificate(ClientHandshaker.java:1577)       at sun.security.ssl.ClientHandshaker.processMessage(ClientHandshaker.java:213)       at sun.security.ssl.Handshaker.processLoop(Handshaker.java:1010)       at sun.security.ssl.Handshaker.process_record(Handshaker.java:946)       at sun.security.ssl.SSLSocketImpl.readRecord(SSLSocketImpl.java:1034)       at sun.security.ssl.SSLSocketImpl.performInitialHandshake(SSLSocketImpl.java:1343)       at sun.security.ssl.SSLSocketImpl.startHandshake(SSLSocketImpl.java:1370)       at sun.security.ssl.SSLSocketImpl.startHandshake(SSLSocketImpl.java:1354) It seems that the issue occurs randomly: we are experiencing this exception on most of our payment transactions, but there are some cases of users that have correctly paid on our site using this method and in those cases this error did not appear. We installed the new certificate on our servers on July 3rd 2025 and renewed on Aug 7th 2025. The new certificate validity is: Not Before: Aug 6 18:43:52 2025 GMT Not After : Nov 4 18:08:57 2025 GMT I must specify that this issue is blocking the correct placement of AppleyPay orders of our customers. Can you please help us find the problem and a possible solution?
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Aug ’25
Issues with apple pay
Hello Everyone, I am trying to integrate apple pay on my website and have followed the following steps. Created a merchant identifier in my apple developer account. Generated a payment processing certificate using Certificate signing Request generated through keychain. Downloaded the certificate and converted that to pem file using the following command openssl x509 -inform DER -in apple_pay.cer -out apple_pay.pem Imported the cer file into keychain and exported .p12 file and generated private key using the following command. openssl pkcs12 -in Certificates.p12 -out private_key.pem -nocerts Utilizing apple_pay.pem and private_key.pem files for merchant verification call and getting the following response. cURL Error: OpenSSL SSL_read: error:14094418:SSL routines:ssl3_read_bytes:tlsv1 alert unknown ca, errno 0 Trying 17.141.128.7:443...\n* TCP_NODELAY set\n* Connected to apple-pay-gateway.apple.com (17.141.128.7) port 443 (#0)\n* ALPN, offering h2\n* ALPN, offering http/1.1\n* successfully set certificate verify locations:\n* CAfile: /etc/ssl/certs/ca-certificates.crt\n CApath: /etc/ssl/certs\n* SSL connection using TLSv1.3 / TLS_AES_128_GCM_SHA256\n* ALPN, server accepted to use http/1.1\n* Server certificate:\n* subject: businessCategory=Private Organization; jurisdictionC=US; jurisdictionST=California; serialNumber=C0806592; C=US; ST=California; L=Cupertino; O=Apple Inc.; CN=apple-pay-gateway.apple.com\n* start date: Dec 19 00:22:44 2024 GMT\n* expire date: Mar 12 19:42:00 2025 GMT\n* issuer: C=US; O=Apple Inc.; CN=Apple Public EV Server RSA CA 1 - G1\n* SSL certificate verify ok.\n> POST /paymentservices/startSession HTTP/1.1\r\nHost: apple-pay-gateway.apple.com\r\nAccept: /\r\nContent-Type: application/json\r\nContent-Length: 143\r\n\r\n* upload completely sent off: 143 out of 143 bytes\n* OpenSSL SSL_read: error:14094418:SSL routines:ssl3_read_bytes:tlsv1 alert unknown ca, errno 0\n* Closing connection I also tried to include AppleWWDRCAG2 and AppleRootCA-G2 certificated but same response every time.
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Jan ’25