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Identifying Card Type (Credit/Debit) Before Transaction Initiation – Apple Pay
PLATFORM AND VERSION iOS Development environment: Xcode Version 16.2 (16C5032a), macOS 14.6.1 Run-time configuration: iOS 26 DESCRIPTION OF PROBLEM We would like to seek clarification on how to determine whether a card used via Apple Pay is a credit or debit card before sending the transaction request. Currently, we can retrieve the card type information (credit/debit) from the Apple Pay response payload, but this is only available after the payment has been processed. However, we need to determine the card type in advance, as our system calculates and applies transaction fees based on the card type, which should be added to the total transaction amount before submission. Could you please advise if there is any parameter, API field, or pre-authorization mechanism available to identify the card type prior to initiating the transaction request? We would appreciate your guidance or any related documentation for implementing this. STEPS TO REPRODUCE Initiate Apple pay Payment from Apple pay Getting payload we can retrieve the card type information (credit/debit) from the Apple Pay response payload, but this is only available after the payment has been processed. We need to identify if there's any way to know the card user selected(whether it is credit/debit) before processing the payment.
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4w
NotSupportedError, The payment method is not supported
What am I missing in my checking for whether or not to offer Apple Pay on my website? <script async crossorigin src="https://applepay.cdn-apple.com/jsapi/v1.1.0/apple-pay-sdk.js" ></script> ... <style> apple-pay-button { display: none; } </style> ... <apple-pay-button buttonstyle="black" type="plain" locale="en-US" onclick="startApplePay('${APPLE_PAY_MERCHANT_ID}','${paymentForm.amount}');"></apple-pay-button> So, the button is not displayed by default. I only change the style to displayed if: window.onload = function() { if (isApplePaySupported()) { document.querySelector("apple-pay-button").style.display = "inline-block"; }; } function isApplePaySupported() { return (window.PaymentRequest && window.ApplePaySession && ApplePaySession.canMakePayments() && ApplePaySession.supportsVersion(applePayVersion)); } Yet, once in a while a click comes through that tries to create a PaymentRequest with const applePayMethod = { "supportedMethods": "https://apple.com/apple-pay", "data": { "version": applePayVersion, "merchantIdentifier": merchantIdentifier, "merchantCapabilities": [ "supports3DS" ], "supportedNetworks": [ "amex", "discover", "masterCard", "visa" ], "countryCode": "US" } }; and results in: NotSupportedError, The payment method is not supported What else might be "not supported" in the request for this particular user/device/wallet? In particular, that could be known immediately when the PaymentRequest is created, but before any payment instrument from the wallet is selected? And, is there anything I could detect before showing the button? Or, is it even possible for the button to be clicked by some kind of automation, even if it's not displayed?
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78
Apr ’25
Which validation url should we use, startSession or paymentSession? How to use the correct one?
Issue Description In our Apple Pay integration process, the validation URL returned from the onvalidatemerchant callback is: https://apple-pay-gateway.apple.com/paymentservices/startSession However, according to Apple’s official documentation (reference link), the correct validation URL is: https://apple-pay-gateway.apple.com/paymentservices/paymentSession We are seeking clarification and assistance regarding the following issues: Issue 1 Will continuing to use the startSession URL cause problems or errors? Are there functional differences between the two URLs (startSession and paymentSession)? Does Apple still officially support startSession, or are we required to switch to paymentSession? Issue 2 We occasionally experience the following 400 error, even though the URL we use for validation is the one returned from the onvalidatemerchant callback: 400: { "statusMessage": "Payment Services Exception merchantId=*** not registered for domain=***.com", "statusCode": "400" } We have verified the following: Our Merchant ID and certificates are valid. All Apple Pay configuration details, including merchant domain verification and placement of the .well-known/apple-developer-merchantid-domain-association file, have been correctly set up and verified. However, we still encounter the error intermittently. Questions: If we need to transition to using paymentSession, how should we do this? Could this error be related to the use of startSession? If not, how should we troubleshoot further? Support Needed Confirmation and clarification on the proper usage and differences between the two URLs: startSession and paymentSession. Guidance on how we can investigate and resolve the 400 error to ensure that the Apple Pay validation process works consistently. We appreciate your assistance and support!
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473
Jan ’25
Apple Pay Merchant Identity Certificate - renewal problems
We are having trouble trying to renew our Apple Pay Merchant Identity Certificate. We can create the CSR file and add to the developer portal. We then convert this to a .pem and then a .p12. When we test the certificate in Postman however, we see the following error: "statusMessage": "Payment Services Exception pspId=xxxx unauthorized to process transactions on behalf of merchantId=xxxx reason=xxxx is not a registered merchant in WWDR and isn't properly authorized via Mass Enablement, either.", "statusCode": "417" We are sending the following POST request to 'https://apple-pay-gateway.apple.com/paymentservices/paymentSession': {"merchantIdentifier": "merchant.com.xxxx.applepaytest", "domainName": "beta-xxxx.com", "displayName": "beta-xxxx.com"} Anyone got any ideas what the issue may be? In the meantime I will look at completing our domain verification as that is also due soon and we thought it may possibly have something to do with the certificate issues we are seeing.
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110
Oct ’25
Device selection on Apple Pay In-App provisioning is incorrect
I am encountering an issue with the in-app provisioning flow using PKAddPaymentPassViewController. Specifically, when presenting the controller to allow users to add a pass to Apple Wallet, the device selection screen is showing all the devices, even after setting the primaryAccountIdentifier on the PKAddPaymentPassRequestConfiguration. Here's the context: I'm using PKAddPaymentPassViewController for in-app provisioning. I provide a valid primaryAccountIdentifier in the configuration. But after adding the pass, if i print back the primaryAccountIdentifier it displays some other value different than the identifier i had set(Example masked identifier: FAPLMC1GB000000066aa4xxxxxxxxxxxa744f16axxxxxxxx). The provisioning flow works, but the device list shown to the user includes all the devices (e.g., Apple Watches and iPhone even though it is already added to Apple Watch or iPhone).
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116
Oct ’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 with various merchants on same domain
Hi All, We operate a store with a single domain but multiple merchants, some of whom use PayPal as their payment gateway, while others use Stripe. We are looking to introduce Apple Pay for the various merchants. From what I understand, a .well-known file is required for each merchant to enable Apple Pay. How can we implement this, given that our merchants are using different payment gateways? Best regards, Joe
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238
Mar ’25
Why is the Apple Wallet Url Verification different between the ios18 and ios26
Basic information: The issuer has implemented the feature to active Apple Card via URL Verification. The feature implemented by issuer is supported both in the APP and Clips. When Apple queries the activation method from UnionPay, UnionPay returns the "URL" activation method to Apple. Additionally, the apple-app-site-association file has been correctly deployed, and the configuration for Universal Links has been completed. Both the APP and Clips have undergone testing for Universal Link calls. The desired experiece is that when the APP is installed, Apple Wallet launches the APP, and the user completes the activation within the APP, and if the APP is not installed, Apple Wallet calls Clips, and the user completes the activation in Clips. Problem description: Under iOS 17 and iOS 18, when triggering Apple Pay card activation, the APP or Clips can be called as expected, and the activation can be completed well. However, Under iOS 26, regardless of whether the APP is installed, under the same circumstances, an internal browser within Apple Wallet opens to access the H5 page corresponding to the URL, instead of redirecting to the APP or Clips. Please assist in confirming whether this is a new feature of iOS 26 and how the same user experience can be achieved.
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72
Oct ’25
Handling Empty in_app Data in iOS Order Verification
Body: Hello, We are currently implementing iOS order verification and have encountered an issue. Some of the receipts we verify return with an empty in_app array, which makes it impossible to determine whether there is a valid in-app purchase. Below is the code we’re using for verification and the result we receive: Code Example: public function iosVerifyReceipt($receipt, $password = '', $sandbox = false) { $url = $sandbox ? 'https://sandbox.itunes.apple.com/verifyReceipt' : 'https://buy.itunes.apple.com/verifyReceipt'; if (empty($password)) { $data = json_encode(['receipt-data' => $receipt]); } else { $data = json_encode(['receipt-data' => $receipt, 'password' => $password]); } $ch = curl_init($url); curl_setopt($ch, CURLOPT_RETURNTRANSFER, true); curl_setopt($ch, CURLOPT_POST, true); curl_setopt($ch, CURLOPT_POSTFIELDS, $data); $result = curl_exec($ch); curl_close($ch); $result = json_decode($result, true); $result = $result ?? []; $result['sandbox'] = $sandbox; if ($result['status'] != 0) { Log::warning('ios verify receipt failed', ['receipt' => $receipt, 'result' => $result, 'sandbox' => $sandbox]); if ($result['status'] == 21007) { return $this->iosVerifyReceipt($receipt, $password, true); } } return $result; } // Order validation check if (empty($result) || $result['status'] != 0) { throw new BadRequestHttpException("Ios Order Verify Error"); } $appItemId = $result['receipt']['app_item_id'] ?? ""; if ($appItemId != MY_APP_ID) { throw new BadRequestHttpException("Ios Order Verify Error"); } $inApp = array_filter( $result['receipt']['in_app'] ?? [], function ($item) use ($transactionId,$order) { return $item['transaction_id'] == $transactionId && $item['product_id'] == $order->getProductId(); } ); if (empty($inApp)) { throw new BadRequestHttpException( "Ios Order Verify Error"); } Array ( [receipt] => Array ( [receipt_type] => Production [adam_id] => * [app_item_id] => * [bundle_id] => * [application_version] => 5511 [download_id] => * [version_external_identifier] => * [receipt_creation_date] => 2025-02-11 04:06:47 Etc/GMT [receipt_creation_date_ms] => * [receipt_creation_date_pst] => 2025-02-10 20:06:47 America/Los_Angeles [request_date] => 2025-02-11 15:54:56 Etc/GMT [request_date_ms] => * [request_date_pst] => 2025-02-11 07:54:56 America/Los_Angeles [original_purchase_date] => 2025-02-11 04:02:41 Etc/GMT [original_purchase_date_ms] => * [original_purchase_date_pst] => 2025-02-10 20:02:41 America/Los_Angeles [original_application_version] => * [preorder_date] => 2025-01-17 21:12:28 Etc/GMT [preorder_date_ms] => * [preorder_date_pst] => 2025-01-17 13:12:28 America/Los_Angeles [in_app] => Array ( ) ) [environment] => Production [status] => 0 [sandbox] => )
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323
Feb ’25
Domain Verification Failed for Apple Pay – Tried Everything
I am attempting to verify my domain https://technoq.genesistechnologies.tech for use with Apple Pay Merchant ID. However, when I attempt verification, the process fails with the message: “Domain verification failed.” Unfortunately, no additional details are provided. I have already completed the following steps: Downloaded the verification file apple-developer-merchantid-domain-association.txt. Placed it in the .well-known directory as instructed. Confirmed that it is publicly accessible at: https://technoq.genesistechnologies.tech/.well-known/apple-developer-merchantid-domain-association.txt Verified that a valid SSL certificate is configured for the domain. Could you please advise on why the verification might be failing and what additional steps I should take to resolve this issue?
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143
Oct ’25
Apple Pay integration and Merchant IDs.
Hi, We’re a franchise business with over 100 franchisees, and each franchisee has their own unique Merchant ID. We're building a single app that allows customers to place orders, and based on the selected franchisee, the payment needs to be processed through that specific franchisee’s merchant account. However, when we integrate Apple Pay and publish the app, it asks us to provide a payment gateways' Merchant ID, but we don’t use just one – we have many. How can we handle this situation? Is there a way to dynamically use multiple Merchant IDs in one app, depending on which franchisee the customer is ordering from?
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91
Oct ’25
Apple Pay Domain Reverify Failed
We are attempting to integrate the Apple Pay service into our website and have successfully verified our domain with Apple manually. However, we consistently receive an 'ApplePay reverify failed' email a month before the expiration time. Upon checking, we updated the SSL certificate for the domain before receiving the email, and the link still works fine in the browser. We would greatly appreciate any feedback from someone who can help us with this issue.
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131
Oct ’25
Apple pay merchant registration API payload
We are looking for sample payload for merchant registration API. We have tried to test the api and getting an error. Request: curl --location 'https://apple-pay-gateway-cert.apple.com/paymentservices/registerMerchant' --header 'Content-Type: application/json' --data '{ "domainNames": "https://checkout.dev.sandbox-netvalve.com", "encryptTo": "platformintegrator.com.netvalve.uat", "partnerInternalMerchantIdentifier": "merchant.test.netvalve", "partnerMerchantName": "Test" }' Response: { "statusMessage": "Payment Services Exception invalid or Malformed Json Received", "statusCode": "400" }
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65
Oct ’25
Unable to verify the merchant domain after renewing the SSL
Hi, We're experiencing an issue with verifying our domain for Apple Pay on the web. It's currently stuck in the "Pending" state despite meeting the listed requirements. The domain in question has been verified once successfully but one month later when we renewed the SSL, we were unable to verify the domain again. Please note that the new certificate's CA chain has been changed. A) The "apple-developer-merchantid-domain-association.txt" file is publicly accessible at the following location: /.well-known/apple-developer-merchantid-domain-association.txt B) We've also ensured that the following IP ranges are whitelisted: 17.32.139.128/27 17.32.139.160/27 17.140.126.0/27 17.140.126.32/27 17.179.144.128/27 17.179.144.160/27 17.179.144.192/27 17.179.144.224/27 17.253.0.0/16 17.23.4.96/27 17.132.108.64/26 17.23.24.32/27 17.23.19.0/27 17.157.40.128/27 17.157.44.128/27 17.157.32.0/27 C) Our servers support TLS 1.2 already. D) "ECDHE-RSA-AES128-GCM-SHA256" cipher suite has been used, so we believe all necessary criteria are satisfied. However, when we attempt to verify the domain, we receive the following error message: "Domain verification failed. Review your TLS Certificate configuration to confirm that the certificate is accessible and a supported TLS Cipher Suite is used." Could you please advise why the verification is failing, or let us know if there's anything we might have missed? Best regards, Mehdi
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150
Oct ’25
Apple support rejected my refund with ridiculous reason
First double charge in a same item, i ask the game developer they accept my refund request, but i don’t know why apple rejected my request, they said i haven’t strongly support? how can i send him the support? there are no attach button allow me the send him the conversatio via email. Then suddenly charge me 2 times i haven’t buy item. i request refund they also rejected…why? i didn’t get anything from the game but i had pay already. who can help me to get back my money. totalHK188 miss charged. this is not fair they stole my money. i don’t know why the game developers accept my refund request, who gave apple the right to reject
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581
Dec ’24
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