Hello,
We are experiencing an issue with StoreKit purchases on iOS.
Some users are required by their bank to complete an additional authentication step (3D Secure / banking app validation) during an in-app purchase subscription flow.
The purchase starts correctly and StoreKit displays the purchase sheet. When the user temporarily leaves the app to validate the payment in their banking application and then returns, StoreKit eventually reports the purchase as cancelled.
No transaction is delivered to StoreKit observers, no entitlement becomes active, and restoring purchases does not find any completed transaction.
Steps to reproduce:
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Open the app.
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Start an auto-renewable subscription purchase using StoreKit.
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Authenticate with Apple ID if requested.
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When the bank authentication screen appears, leave the app and open the banking application.
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Approve the payment in the banking application.
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Return to the original app.
Observed result:
StoreKit reports the purchase as cancelled and no transaction is received.
Expected result:
The transaction should continue processing after bank authentication and eventually complete successfully.
Environment:
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Xcode 26.3 (17C529)
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macOS Tahoe 26.3
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iOS 26.2.1
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Physical iPhone device
Question:
Is this expected StoreKit behavior when a user leaves the app for external banking authentication, or is there a recommended StoreKit integration pattern that should allow the purchase flow to continue successfully?
Thank you.