We’re attempting to call the Apple Pay Web Merchant Registration API using our Platform Integrator flow and consistently receive 401 Unauthorized, despite successful TLS/mTLS. Details: Endpoint: https://apple-pay-gateway-cert.apple.com/paymentservices/registerMerchant (POST) Payload: { "domainNames": ["breakerfy.com"], "encryptTo": "platformintegrator.ai.packman", "partnerInternalMerchantIdentifier": "merchant.ai.packman.1", "partnerMerchantName": "breakerfy", "merchantUrl": "https://breakerfy.com" } Domain association: URL: https://breakerfy.com/.well-known/apple-developer-merchantid-domain-association What we tried: We created a Payment Platform Integrator ID (platformintegrator.ai.packman) We created a CertificateSigningRequest We used the certificate signing request to create an Apple Pay Platform Integrator Identity Certificate and downloaded the signed certificate. We exported the Private Key from keychain access in PKCS 12 format We converted both the private key and the signed certificate to PEM format We created a merchant id We used the converted keys to send requests to the API We received { "statusMessage": "Payment Services Exception Unauthorized", "statusCode": "401" } we also tried curl with the original p12 file and also had no luck. What could be the issue ?

Hi all, I’m running into a confusing issue with Apple Pay domain verification. Apple’s documentation says to host the verification file at: https://yourdomain.com/.well-known/apple-developer-merchantid-domain-association And the portal itself seems to expect the file to be served with .txt extension during verification. My first verification passed, but subsequent checks are failing — and I’m wondering if this mismatch is the cause. Should I Keep the .txt and configure my server to serve it at both paths? Would appreciate any insights or official clarification. Thanks!

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.

We have updated the PNO metadata to include the associatedApplicationIdentifiers for our wallet extensions and the issuer app. While we are able to successfully provision the card to Apple Wallet via pull provisioning, we are unable to retrieve the payment passes that have already been provisioned. How can we address this issue? let passLibrary = PKPassLibrary() let paymentPassLibrary = self.passLibrary.passes(of: .secureElement) paymentPassLibrary is an empty array even though we have passes provisioned.

We are working with two types of wallet passes. Provisioning works successfully for one pass type via wallet extensions, but the same process is not functioning for the other. For the second pass type, we are able to generate the required data for pull provisioning and send it to Apple. Additionally, in-app push provisioning for this pass type completes without issue. We would appreciate guidance on how to further debug and resolve this provisioning problem.

Hi everyone, I’m encountering a strange issue with Apple Pay in our React Native iOS app using the Stripe React Native SDK. Summary of the Problem: • Apple Pay shows up as an available payment method inside the Stripe Payment Sheet. • When I tap Apple Pay, the Apple Pay sheet opens normally. • After confirming payment, the Apple Pay sheet immediately closes, and nothing happens. • No payment is created and no request reaches Stripe’s servers. On Stripe Dashboard the PaymentIntent remains incomplete, with no errors, which means the failure happens before Stripe receives anything. Environment • React Native with @stripe/stripe-react-native • StripeProvider configured with: <StripeProvider publishableKey={...} merchantIdentifier="merchant.com.app.venga" stripeAccountId={...} urlScheme="venga" > Apple Pay works on our web checkout with the same merchant identifier. We have verified all of the required Apple Pay setup: • Merchant ID exists, active, and matches exactly. • Merchant ID added to the iOS app target in Xcode → Signing & Capabilities. • Apple Pay capability enabled. • Merchant domain is verified (web checkout works). • Apple Pay certificate and merchant certificate are valid. • Stripe publishable key and merchantIdentifier are correct. • Stripe SDK correctly initialized. • Device region supports Apple Pay. Extra Observations: • The PaymentIntent’s allowed_payment_methods includes "card" and Apple Pay does appear in the payment sheet. • But after tapping Pay → the Apple Pay sheet closes instantly. • There is no callback with an error, and nothing appears in Stripe logs. • We are testing in Sweden. As far as I know Apple Pay should work fine here. Questions: What could cause the Apple Pay sheet to dismiss instantly after attempting a payment? Could this be caused by a merchant ID mismatch—even if Apple Pay appears in the sheet? Is there any Apple-device-level requirement (region, wallet config, card type) that could cause this silent failure? Is there a way to get more detailed logs when Apple Pay closes before Stripe receives anything? Any help or suggestions would be greatly appreciated. Thanks!

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."

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" }, }

Hello, I'm using PassKit with to perform Apple Pay payment in a financial application. Our approach are: On iOS application, define PKMerchantCapability threeDSecure and credit, perform apple pay experience and get the encrypted response. On PCI service, receive the encrypted data Payment token, decrypt this data, and use to perform the payment. The problem is, in MasterCard transaction the eciIndicator is missing. I want to know if has some rule or problem about it.

For Apple Pay Testing purposes, we're trying out cards from https://developer.apple.com/apple-pay/sandbox-testing/ Visa, AMEX, Discover cards can be added to the wallet. But all 5 of the listed options for Mastercard cannot be added to the wallet with the error "Card Device Limit". How can we resolve this?

Hello, Apologies if this has been asked before but I have a website that takes subscriptions and payments through PayPal. It's a platform where authors can sell ebooks and anyone who purchaes an ebook, the money goes pretty much directly from the buyer's PayPal to the seller PayPal through the use of PayPal Multiparty where my platform acts as a third party that takes a fee. I'm currently building a React-Native app for my website and coming close to needing to integrate payment solutions. As far as I'm aware, Apple only allows Apple Pay payments for IAP and subscriptions? How would this work for my model? Can I integrate PayPal into Apple Pay like I do with my website? If not, what's the alternative?

Hi, When I try to add a card to wallet, I get this PKPassKitErrorDomain Code=2 error from my logs, and from the SysDiagnose, I get some more detailed error log Error details: Date: December 15, 2025 Time: 15:16 UTC Request URL: https://nc-pod9-smp-device.apple.com:443/broker/v4/devices/041B4183BA1490022104102123315131EBFE2BE7… Response: HTTP Status: 500 – Internal Server Error Time profile: 0.505452 seconds Response headers: Server: Apple Content-Type: text/html X-Content-Type-Options: nosniffStrict-Transport-Security: max-age=31536000; includeSubdomainsDate: Mon, 15 Dec 2025 15:16:59 GMT X-Frame-Options: SAMEORIGIN X-XSS-Protection: 1; mode=blockCross-Origin-Opener-Policy: same-origin Content-Length: 170 Connection: close Response body: Anyone have faced this problem before?

Hello Dear Network, We are developing a banking application and are implementing Apple Wallet In-App Provisioning with Wallet UI and Non-UI extensions. Our App Store submission fails with the error: "Missing entitlement com.apple.developer.payment-pass-provisioning" for both Wallet UI and Non-UI extensions. In the Apple Developer portal, we do not see the "Apple Pay" or "In-App Provisioning" capabilities available for our App ID or extension App IDs. We would like to request enablement of: Apple Pay Payment Pass Provisioning In-App Provisioning for our Apple Developer Team and related App IDs. Please let us know what we need to do for can upload build with that Entitlements, what can be problem? Thank you.

Recently, we completed a merger with our parent company. We are currently integrated with Apple Pay in accordance with the “Apple Pay Payment Processing on the Web” guidelines. Due to the change in the legal entity, we proceeded with the account migration process as outlined below: Creation of a new Apple Developer account and a new Apple Pay Identifier Removal of the Merchant Domain (dc2-web.happy.co.kr) from the existing Identifier Registration of the Merchant Domain (dc2-web.happy.co.kr) under the new Identifier Using the Merchant Domain registered under the new Identifier and the Apple Pay Merchant Identity Certificate issued from the new Identifier, we attempted to obtain an Apple Pay session by sending requests to the following endpoint: https://apple-pay-gateway.apple.com/paymentservices/startSession However, we are intermittently receiving failure responses with an HTTP 400 status code. With regard to these intermittent failures, we would like to inquire whether there is any propagation delay on Apple’s servers when an Apple Pay Identifier is removed and re-registered under a new account, or if there could be any other possible causes for this behavior. We would appreciate your guidance on this matter.

We are facing an issue with Apple Pay address details while customers are placing orders on our production site. By default, the following values are being passed during checkout: First Name: ApplePay Last Name: Express Address: ApplePay Street When we manually enter these same details, our validation correctly prevents the order from being placed and displays an appropriate error message. However, on our production site, real customers are still able to successfully place orders with these exact details. Could you please help us understand: How these orders are being allowed to proceed despite the validation? Is this behaviour expected from Apple Pay ? How can we prevent orders from being placed with such placeholder address details? Please let us know if you need any additional information from our side. We have also attached an image showing the address details and the corresponding order number for reference. Thanks in advance for your support.

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

Hello, We are implementing Apple Wallet extensions (PKIssuerProvisioningExtensionHandler). While our UI extension works as expected, our Non-UI extension is unable to detect payment passes provisioned by our app. Specifically, PKPassLibrary().passes(of: .secureElement) returns an empty array when called from the Non-UI extension, even though the same call correctly returns the passes when executed from the Main iOS App. Our Payment Network Operator has confirmed that our extension bundle identifiers are correctly registered in the metadata on their side. They suggested that the Wallet Extensions entitlement (com.apple.developer.payment-pass-provisioning) may require additional backend enablement for these specific Extension App IDs. Is there a known reason why PKPassLibrary would behave differently in the Non-UI extension vs the Main App? Beyond the standard entitlement request, is there a specific process to "activate" these IDs for extension visibility? Does anyone have guidance on reaching the appropriate team for backend entitlement activation issues? Any insights would be greatly appreciated.