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.

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.

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?

I'm implementing Apple Pay for our application via the Apple Pay JS API, and everything works as expected when initiating a session from a Safari browser. However, when attempting to start a session in a non-Safari browser (Chrome in this case), I see the following behavior: The "Scan Code with iPhone" popup appears I scan the code with my device (9th gen iPad running iPadOS 18.5 if that matters) The Apple Pay view does not appear on the device, and the "Scan Code" popup closes on the browser without any further information given. I can see the messages being passed in the network tab, with the final message being a "getPaymentRequestResponse" message appearing at the time the code is scanned. I suspect merchant validation is failing since that should be the next step, but that's just an educated guess at this point. I would appreciate any help getting this issue resolved.

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!

I am facing a problem of payment using credit card. I tried several banks and cards without any result. I also used one of the card I have successfully paid another account. Heeeeelp

So we are developing an NFC reader for a client and one of the requirements was Apple ECP. We submitted a product plan and it was approved and we were given access to the specific documentation for ECP. We are looking to only use Loyalty passes via NFC. Not Apple Pay. We wish to develop passes that have NFC capability and apparently you need another approval for NFC Entitlement. Apple just denied our application. No reason given, just denied. How are we suppose to develop a solution when we can only do one side of the development? Also we are seeing VAS mentioned and believe we also need access to this documentation as well, but no idea where to request it. Nothing in our developer portal or wpc portal. Can someone from Apple please steer us in the right direction. As we understand it we need: Approved hardware product plan (which we have) Access to ECP 2.0 documentation (which we have) Access to VAS protocol documentation (we don't have) NFC entitlement to be able to create NFC enabled passes. Let me know what we need to do or if I am not understanding things correctly. Thanks

I tried to test In-App Provisioning in Production for our whitelisted app through TestFlight (Internal Testing Track) and we received the following error response from PassBook during the provisioning attempt, Could you please guide us? Error Response from sysdiagnose PassBookUIService during In-App Provisioning attempt: { statusCode = 500; statusMessage = "Broker Service Response exception"; } I reported the error in Feedback Assistant: ID: FB16112348 (500 Broker Service Response exception during Apple Pay In-App Provisioning ). Note:- I am reffering to Getting Started with Apple Pay: In-App Provisioning, Verification, Security, and Wallet Extensions

Apple Pay processed a transaction but the account has insufficient funds. Later the transaction is declined. Is it expected from Apple Pay? Does Apple Pay throws an error if the account has insufficent funds- iOS Swift ? Does anyone know the code to handle this scenario in Swift iOS?

Hello, we are experiencing issues with adding VISA cards via In-App Provisioning on iOS using PassKit. The same flow works correctly with Mastercard, but for VISA cards the Apple broker endpoint returns HTTP 500. Details Device: iPhone15,3 (iPhone 15 Pro), iOS 18.6.1 (22G90) Region: CZ App: [REDACTED] (version 0.4.3) Issuer ID: [REDACTED] Merchant ID and entitlements are configured and validated. SEID: [REDACTED] Request flow GET /broker/v4/devices/{SEID}/issuerProvisioningCertificates?encryptionVersion=EV_ECC_v2 Request ID: B61363A8-0BFF-4CD6-92BC-52C461DFFAAD Response: 200 OK Conversation ID: e12c64c9a0b54981adfad8d00800d836 Returned nonce: [REDACTED] Timestamp: 2025.08.21_14-01-46+0200 POST /broker/v4/devices/{SEID}/cards Request ID: F29B73CA-CDDE-4C0C-9F40-B87AE006FDDD Payload fields present (values redacted): encryptedCardData [REDACTED], ephemeralPublicKey [REDACTED], publicKeyHash [REDACTED], nonce [REDACTED], issuerIdentifier [REDACTED], encryptionVersion=EV_ECC_v2 Response: 500 Internal Server Error (latency ~0.41s) Timestamp: 2025.08.21_14-01-47+0200 Observation Provisioning succeeds with Mastercard but consistently fails with VISA. The GET issuerProvisioningCertificates succeeds; the POST …/cards returns 500. Request Could you please: Provide internal error details for Request ID F29B73CA-CDDE-4C0C-9F40-B87AE006FDDD (and/or Conversation ID e12c64c9a0b54981adfad8d00800d836), Confirm whether the 500 originates before or after the broker’s call to VTS (Visa Token Service), and Validate that our app/merchant/issuer configuration is fully enabled for VISA push provisioning in our region. Attached privately: sysdiagnose with full traces (can share via secure channel upon request). Kind regards, Martin

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.

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?

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.

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.

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.

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

Hello, we have problem. Kind regards, -Martin

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.

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,

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!