sslv3 alert handshake failure

I just start to work with applepay,
I'm trying to develop in local machine , I defined a merchantid, identifier, and all marked as verified in my apple developer account

I'm using ngrok to be able to get to my machine from outside- I'm able to get to this file
.well-known/apple-developer-merchantid-domain-association.txt

But when I am using this request :
curl https://apple-pay-gateway.apple.com/paymentservices/paymentSession -d 'const options= {
url: "paymentSession url ",
cert: "./applepay.cer",
key: "./merchantid.cer",
method: 'post',
body:{
merchantIdentifier: "merchant.myDomin.com",
displayName: "myDomin",
initiative: "web",
initiativeContext: "myDomin.myDomin.com"
},
json: true,
}'
I get the error :
EPROTO 4517103040:error:14094410:SSL routines:ssl3readbytes:sslv3 alert handshake failure:../deps/openssl/openssl/ssl/s3_pkt.c:1494:SSL alert number 40

What am I doing wrong ?
(The apple pay pop is showing during the flow , and I fail in session.onvalidatemerchant event