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!

We are experiencing intermittent 403 Forbidden errors during Apple Pay on web merchant validation in our production and sandbox environment. Has anyone else started seeing 403 Forbidden errors recently (since mid-2025)? Why would merchant validation be sometimes successful and sometimes fail with 403? Could this be related to new Apple Pay gateway changes or stricter validation rules? Any additional debug steps or permanent solutions we should try? Thank you.

Hello, I am currently testing an Adyen integration with Sylius and need to verify Apple Pay with Cartes Bancaires in the sandbox environment. Could you please advise how Cartes Bancaires can be tested in Apple Pay Sandbox (e.g. cards details)? Thank you in advance for your guidance. Best regards, Grzegorz

I am working on implementing merchant token notifications. When calling this endpoint https://developer.apple.com/documentation/merchanttokennotificationservices/merchant-token-event-retrieval, the result contains a CardMetadata object with an expirationDate field (see https://developer.apple.com/documentation/merchanttokennotificationservices/cardmetadata). What is the format of this field? The spec only mentions that it has a maximum length of 8 characters.

We have finished integrating Apple Pay in our app and our payment processor is requiring us to send the 3dSecure version used for apple pay (2.1,2.2,2.3,etc.). I believe this only applies to mastercard but would appreciate if anyone has run into something similar and what you specified. I have not been able to find anything in Apple's documentation specifying the version that is used.

Our company sells insurance and we'd like to offer annual renewals via Apple Pay on the Web. Most of the docs seem to point towards using recurringpaymentrequest but this method required an amount value which would only be calculated at renewal time. It appears that Shopify is doing something akin to what we want where they do auto payments so my question is can we do annual payments with unknown renewal prices with Apple Pay for Web ? What we cannot do is show the renewal price like this as it being insurance is almost certain to change. This is our current code which works but won't get past the regulator. const applePayPaymentRequestAnnual = { countryCode: 'GB', currencyCode: 'GBP', supportedNetworks: ['visa', 'masterCard'], merchantCapabilities: ['supports3DS'], requiredBillingContactFields: ['postalAddress', 'email'], requiredShippingContactFields: ['phone'], recurringPaymentRequest: { paymentDescription: 'Annual Insurance Renewal', regularBilling: { label: 'Annual Renewal Premium', amount: price, paymentTiming: "recurring", recurringPaymentIntervalUnit: "year", recurringPaymentStartDate: year + "-" + month + "-" + day + "T00:00:00.000Z", type: 'final' }, managementURL: window.location.protocol + '//' + window.location.host + '/manage-policy', tokenNotificationURL: window.location.protocol + '//' + window.location.host + '/apple-pay-notifications' }, lineItems: [{ label: alabel, amount: price, }], total: { label: alabel, amount: price, type: "final" }, }

Cybersource production support has clarified issue as below "On the BAD Case, it seems that the Apple Payload did not contain the "onlinePaymentCryptogram" object within the JSON. The Cryptogram is critical and mandatory. Since the merchant cannot really control this, and since CYBS is just decrypting the payload and uses it, we cannot comment as to why it was missing. The merchant would need to reach out to Apple and/or decrypt the payment themselves locally to check if and why this data was not present, for troubleshooting purposes."

Cybersource production support has clarified issue as below "On the BAD Case, it seems that the Apple Payload did not contain the "onlinePaymentCryptogram" object within the JSON. The Cryptogram is critical and mandatory. Since the merchant cannot really control this, and since CYBS is just decrypting the payload and uses it, we cannot comment as to why it was missing. The merchant would need to reach out to Apple and/or decrypt the payment themselves locally to check if and why this data was not present, for troubleshooting purposes."

Hello, I'm trying to make changes to my website's apple pay flow and an unable to verify if the flow works because I get the following error in the console when trying to pay: TypeError: undefined is not an object (evaluating 'applePaySession.completeMerchantValidation') By following this error message, I try to setup an ngrok proxy to verify my local development domain and that fails as well even though as you can see, the file does actually exist. Can anyone help with A) giving me a different way to develop locally aka having a "successful" apple pay payment so I can verify my website's flow after payment or B) help me figure out why the domain verification is failing. Thanks!

We are implementing Apple Pay on our website, but we only sell services and would prefer that the shipping address section of the Apple Pay modal doesn't require the shipping address and just show the billing address. Is there any way to achieve this?

I’m having an issue verifying a domain for a Merchant ID. I’m implementing Apple Pay on the web for a demo, and I’ve configured the Azure server to match Apple’s requirements for domain verification, such as the TLS configuration, not requiring client certificates, and ensuring there are no redirects. I’ve run tests with OpenSSL and PowerShell and all responses return HTTP/1.1 200 OK. I also tested the URL Apple says it uses to validate the file under .well-known, and it does show the expected result. I already have the Apple Pay Payment Processing Certificate and the Apple Pay Merchant Identity Certificate approved; the only thing missing is the domain verification. I’m not sure what else to test—if you could help me with a possible solution, I’d really appreciate it. (The project is built in .NET 8 and hosted on Azure App Service.)

Hi, Somebody knows how to decode / decrypt emvData on Apple Pay e-commerce when paymentDataType=EMV? Thanks. Reference: https://developer.apple.com/documentation/passkit/payment-token-format-reference#Detailed-payment-data-keys-EMV

Hi, we are setting up Apple Pay on our website which sells only digital goods. We don't collect a shipping address because we aren't shipping anything. We want to use the user's billing address in order to show them the total amount (including sales tax) before they authorize the purchase. However, it seems that the billing address isn't always provided by Apple Pay before the payment is authorized. With Apple Pay, what is the recommended way of acquiring the user's billing address before they authorize the purchase? -- More details about our setup: We are using the Apple Pay JS API. In createPaymentRequest, we specify requiredBillingContactFields: ['postalAddress'], but per the docs, the address is provided after the user authorizes the transaction. That is too late for us because we want to show the sales tax before the user authorizes the purchase. We have attempted to work around this by getting the billing contact details in session.onpaymentmethodselected. For example: session.onpaymentmethodselected = function (event) { const billingContact = event.paymentMethod.billingContact; // Sometimes `billingContact` exists, but other times it does not } This doc states: Before the user authorizes the transaction, you receive redacted billing contact information in a callback event. The redacted information includes only the necessary data for completing transaction tasks, such as calculating taxes or shipping costs. But in practice, we've observed that sometimes no billing contact information is provided. When a user switches from one card to another, we seem to never get the billing contact associated with the newly selected card. Is there something we're missing?

I'm implementing payment processing with Apple Pay on the web, but I've been stuck right at the final step of the flow: decrypting the payment data sent by Apple. Here is a summary of my implementation: The backend language is Java. The frontend portal requests the session and performs the payment using the endpoints exposed by the backend. I created .p12 files from the .cer files returned by the Apple Developer portal for both certificates (Merchant Identity and Payment Processing) and I'm using them in my backend. The merchant validation works perfectly; the user is able to request a session and proceed to the payment sheet. However, when the frontend sends the encrypted token back to my sale endpoint, the problem begins. My code consistently fails when trying to decrypt the data (inside the paymentData node) throwing a javax.crypto.AEADBadTagException: Tag mismatch! I can confirm that the certificate used by Apple to encrypt the payment data is the correct one. The hash received from the PKPaymentToken (header.publicKeyHash) object exactly matches the hash generated manually on my side from my .p12 file. In the decryption process, I'm using Bouncy Castle only to calculate the Elliptic Curve (ECC) shared secret. For the final AES-GCM decryption, I am using Java's native provider since I already have the bytes of the shared secret calculated. (Originally, I was doing it entirely with BC, but it failed with the exact same error). We have exhaustively verified our cryptographic implementation: We successfully reconstruct the ephemeralPublicKey and compute the ECDH Shared Secret using our Payment Processing Certificate's private key (prime256v1). We perform the Key Derivation Function (KDF) using id-aes256-GCM, PartyU as Apple, and counter 00000001. For PartyV, we have tried calculating the SHA-256 hash of our exact Merchant ID string. We also extracted the exact ASN.1 hex payload from the certificate's extension OID 1.2.840.113635.100.6.32 and used it as PartyV. We have tried generating brand new CSRs and Processing Certificates via OpenSSL directly from the terminal. Despite having the correct ECDH shared secret (and confirming Apple used our public key via the hash), the AES tag validation always fails.et, the AES tag validation always fails. Given that the math seems correct and the public key hashes match, could there be an environment mismatch (Sandbox vs. Production) or a domain validation issue causing Apple to encrypt the payload with a dummy PartyV or scramble the data altogether? Any guidance on this behavior or the exact PartyV expected in this scenario would be highly appreciated.

Hi everyone, Is there a way to check the integrity of the auto updating version of the Apple Pay JS SDK? SRI can only be used for the semantic version. Any help/suggestion is appreciated.

My understanding is that MPAN is provided for any of the payment request types that support the tokenNotificationURL (deferred/recurring). If you omit the tokenNotificationURL from the request do you still get an MPAN (when supported by the banking network)? Or is it only if that property has a value? Is there a different way you are supposed to trigger an MPAN?

We are facing issues with the Apple Pay pop up addresses. So for Portugal and Romania, we would like to collect the user's Province/State as part of the checkout experience. We already do that with other payment methods, however, we noticed Apple Pay pop up doesn't include state/province fields for these two countries, which causes orders to arrive with that field as blank. This is causing a lot of logistics issues during fulfillment. Is there a way to fix this and have the field appear for Portugal and Romania users? Case reference: 102869141084 Thank you!

Hi, I have use case where i dont have any physical device to ship like activating e-gift card but still need to calculate taxes based on shipping address. How can i fetch shipping information from wallet without asking or displaying shipping information on apple pay sheet as this may be confusing for customer (since there is nothing to ship). Question: If i dont display shipping information or dont ask for requiredShippingContactFields will apple pay trigger onshippingcontactselected event and send me shipping address?

I have apple pay on the web running ok on our website, using ios devices When I load the cart in a browser and try using the 'scan now qr code', my pay sheet displays on my iphone and then immediately closes. How can I debug the issue? I'm not seeing any logging or issues.

I've encountered an issue where we need multiple domain associations with separate Apple Pay implementations. Briefly, we have a /.well-known/apple-developer-merchantid-domain-association already setup with Stripe, and now we need another, different version of the file to get setup with FreedomPay. FreedomPay insists this file represents a three-way relationship between all parties and I have no reason to disbelieve them. I'm wondering if anyone has encountered this or if there is a standard procedure. I'm currently trying to find documentation on the exact way Apple Pay verification interacts with this file to see if we can produce it dynamically.