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Optimizing Apple Pay Merchant ID Management Across Multiple Accounts and Markets
Context: Our company distributes the same app under multiple brands/flavors using three different App Store Connect accounts. The app supports Apple Pay in 17 markets, allowing users to switch between markets and pay in their chosen market. To handle payments, we currently create separate Apple Pay Merchant IDs and certificates for each market within each of the three accounts. This results in: 3 Merchant IDs per market (one for each account) 17 markets supported, requiring 51 certificates to be created and maintained Key constraints: All the apps cannot be unified under a single App Store Connect account due to certain requirements. Question: Is there a way to simplify this process by consolidating the merchant IDs or certificates across accounts while maintaining the current structure? For example, is there a way to share Merchant IDs across multiple accounts, or is there an alternative approach to reduce the administrative overhead of managing 51 certificates? Any guidance or best practices for optimizing Apple Pay setups in such multi-account, multi-market scenarios would be highly appreciated!
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282
Dec ’24
Apple Pay SDK JS version policy
What is the version policy for the Apple Pay SDK Javascript ? The documentation refers to this link : https://applepay.cdn-apple.com/jsapi/1.latest/apple-pay-sdk.js The future updates will overrride the file on that link ? Is there a way to be notified of any changes ? We are using a previous version named v1 : https://applepay.cdn-apple.com/jsapi/v1/apple-pay-sdk.js What are the risks not using changing to the lastesdt link ? Thank you for your help.
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153
Mar ’25
Examples of Apple Pay for in-app donations
Hi there, We build and operate apps for several PBS stations, and we're considering adding in-app donations with Apple Pay: https://developer.apple.com/apple-pay/nonprofits/ I'm curious if any examples of this functionality in a live app. We'd love to take a look, and get a better idea of use-cases before we tackle that project. (Seems like it would be a very nice upgrade.) Cheers, Kevin
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344
Dec ’24
How does the Domain Verification Files work
Currently, on our Production environment, when calling https://apple-pay-gateway.apple.com/paymentservices/paymentSessio,n we are randomly receiving: "Payment Services Exception merchantId={Value} unauthorized to process transactions on behalf of merchantId={Value} reason={Value} is not a registered merchant in WWDR and isn't properly authorized via Mass Enablement, either." Since launching Apple Pay on our platform we have received a new Domain Verification File and looking at some of the Domain Verification File that are hosted on the domains they are different to ours. Questions around the Domain Verification File Would we have to update every single Domain Verification File every time we receive a new one ? Does the paymentSession verfiy/call the Domain Verification File on the domain listed at https://[DOMAIN_NAME]/.well-known/apple-developer-merchantid-domain-association ? What happens if the Domain Verification File doesnt match the one that we currently have ? Would we have to regrester our Domains everytime we get a new Domain Verification File ?
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93
Jun ’25
Using ApplePay to generate QR code
For instore payment, we are building payment app that would accept Applepay as method of payment and our payment gateway integration support Applepay. We are building this app for a Merchant based in Netherlands and wanted to check if there is any restriction in generating QR code that include apple pay payload and ask instore Cashier to scan the mobile QR using the barcode scanner to initial the transaction. Let me know if there is a restriction or limitation in generating the QR code to include Applepay payment details.
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405
Nov ’24
Launching directly to card information in Apple Wallet for card verification
Hi, for iOS in-app push provisioning flow, and for a card that is in already in requiresActivation state, is it possible from our app UI to launch to the card's verification screen either as a in-app flow (like how in-app push provisioning flow is doing) or Apple Wallet? So far the current process is that it will prompt user to provision the card again (only to show This Card is Already in Wallet error), or to open the card in tap-to-pay mode, or adding a new card flow in Apple Wallet. Am I missing any PassKit SDK on this?
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359
Dec ’24
Multi Apple Pay MID // CyberSource
Hello everyone, Please need your advise if i can use a single Apple Pay MID for multiple CyberSource merchant IDs while creating the SCR or each merchant ID at CyberSource need a separate apple pay MID? or if i can create more than single apple pay MID on the same apple account?
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166
Nov ’24
HCE Permission and Background Access for Corporate NFC Integration
Hello, We are currently developing an application that uses the Host-based Card Emulation (HCE) entitlement to enable corporate access functionality. With this entitlement, we have successfully established HCE communication and can interact with our access control systems to unlock doors. Our question is related to improving the user experience: We would like this access functionality to work without requiring the app to be in the foreground, as this adds friction for users during entry. Specifically, we would like to know: Is it possible for our app to coexist with Apple Wallet as the default contactless app, so that: Our app handles NFC interactions for corporate access (e.g., opening doors). Apple Wallet remains the default for payments. If that coexistence is not possible, and our app is set as the default contactless app, Will the system still need to launch our app into the foreground to complete a transaction (e.g., to emulate the NFC card)? Or is there a way to trigger HCE responses in the background (e.g., using a background process or service extension)? Any guidance on how to configure the app for optimal background access behavior, while maintaining compatibility with Wallet, would be greatly appreciated. Thank you in advance.
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Problem with cert validation and button show
Hi, I’ve been trying to integrate Apple Pay, but for some reason, the payment button is not showing up. The project is built with Laravel 11 and Vue. I imported the script as follows: <script crossorigin crossorigin src="https://applepay.cdn-apple.com/jsapi/1.latest/apple-pay-sdk.js" ></script> Then I added the following the steps: <style> apple-pay-button {{ --apple-pay-button-width: --apple-pay-button-width: 150px;; --apple-pay-button-height: --apple-pay-button-height: 30px;; --apple-pay-button-border-radius: --apple-pay-button-border-radius: 3px;; --apple-pay-button-padding: --apple-pay-button-padding: 0px 0px;; --apple-pay-button-box-sizing: border-box; } </style> <apple-pay-button buttonstyle="black" type="plain" locale="en-US"></apple-pay-button> I followed all the steps from the official Apple Pay demo: https://applepaydemo.apple.com/ I also configured the Content Security Policy (CSP) to allow all necessary resources. However, when I test my integration, the button doesn’t appear. I’ve checked the console, but there are no errors. At the same time, I have my certificate imported into the Keychain, and I’ve completed the entire process of creating both the certificate and the private key. However, when I try to validate the session using the certificate and key with Apple’s API, I get an error: 400 The SSL certificate error https://apple-pay-gateway-cert.apple.com/paymentservices/
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67
Jul ’25
Renewal of merchant Domains fails and redirects to main page without errors
Hello we are trying to renew our certificates. We are trying to extend the dates of verified domains following the docs https://developer.apple.com/documentation/applepayontheweb/maintaining-your-environment#Renew-Your-Domain-Verification and configure our server with https://developer.apple.com/documentation/ApplePayontheWeb/setting-up-your-server We've downloaded the apple-developer-merchantid-domain-association.txt and update it on their respective locations, click 'ok' button but we get redirected to the main page of the information of the merchant, and it shows the domains without the extending period of time. No popup showing what has failed or what could be the reason of this error, we only get a redirection to the main page.
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22
Jun ’25
Apple Pay Signature Validation Fails
I'm currently integrating Apple Pay with my payment provider, and I'm encountering a signature validation error during the payment flow. Here's the setup: I’ve verified that my Merchant Certificate is valid, and I'm able to initialize the Apple Pay session without any issues. Also this curl works fine The Payment Processing Certificate was created by my PSP. PSP claims that the payment token signature is invalid during the transaction phase, which prevents payment completion. The parsed signature starts like this 0:d=0 hl=2 l=inf cons: SEQUENCE 2:d=1 hl=2 l= 9 prim: OBJECT :pkcs7-signedData 13:d=1 hl=2 l=inf cons: cont [ 0 ] 15:d=2 hl=2 l=inf cons: SEQUENCE 17:d=3 hl=2 l= 1 prim: INTEGER :01 20:d=3 hl=2 l= 13 cons: SET 22:d=4 hl=2 l= 11 cons: SEQUENCE 24:d=5 hl=2 l= 9 prim: OBJECT :sha256 35:d=3 hl=2 l=inf cons: SEQUENCE 37:d=4 hl=2 l= 9 prim: OBJECT :pkcs7-data 48:d=4 hl=2 l= 0 prim: EOC 50:d=3 hl=2 l=inf cons: cont [ 0 ] 52:d=4 hl=4 l= 995 cons: SEQUENCE 56:d=5 hl=4 l= 904 cons: SEQUENCE 60:d=6 hl=2 l= 3 cons: cont [ 0 ] 62:d=7 hl=2 l= 1 prim: INTEGER :02 65:d=6 hl=2 l= 8 prim: INTEGER :16634C8B0E305717 75:d=6 hl=2 l= 10 cons: SEQUENCE 77:d=7 hl=2 l= 8 prim: OBJECT :ecdsa-with-SHA256 87:d=6 hl=2 l= 122 cons: SEQUENCE 89:d=7 hl=2 l= 46 cons: SET 91:d=8 hl=2 l= 44 cons: SEQUENCE 93:d=9 hl=2 l= 3 prim: OBJECT :commonName 98:d=9 hl=2 l= 37 prim: UTF8STRING :Apple Application Integration CA - G3 I'm looking for guidance on what could be causing this signature failure. Does anyone know what else I can check regarding the merchant or payment processing certificates, private keys, or key usage that might cause Apple Pay signature validation to fail, even if the session initializes successfully? Domains are also verified. Any help or suggestions would be greatly appreciated.
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43
Apr ’25
Integrating Apple Pay into an HTML inline frame (iframe) on your website
iOS 16 and earlier On iOS 16 and earlier, Apple Pay on the Web required Safari—and all interactions with the Apple Pay API to come from the parent/top level page. In order to facilitate the Apple Pay button in an HTML inline frame (iframe), there will need to be cross frame communication between the child and parent pages. Cross frame communication should be secure and robust, therefore the use of postMessage for this purpose is recommended. The expectation is for all communication with Apple Pay to occur from the parent page, so the iframe must relay all Apple Pay related events to the parent to handle. Some examples: Apple Pay availability: The parent calls applePayCapabilities, then sends the message of the response to the iframe, which then uses the value to toggle the visibility of the Apple Pay button. Apple Pay session: The iframe receives an onclick() event when the Apple Pay button is clicked and sends the message to the parent (providing details about the transaction). The parent create the payment request to obtain the session validation URL, and eventually receive session credentials and invokes completeMerchantValidation() to prevent the payment sheet. After the payment is authorized by the Payment Service Provider (PSP), the parent either: Redirects the parent page to a payment success page; or Sends a message to the iframe to complete the transaction flow itself. iOS 17 and later On IOS 17 and later, the iframe HTML element should include the allow="payment" attribute, which should facilitate the cross frame communications instead of needing a dedicated JavaScript library. This means all of the Apple Pay code/calls can reside in the iframe page—which is typically a hosted page from a Payment Service Provider (PSP), all the parent page—typically a merchant—has to do is add the attribute mentioned above to the iframe element. Important: Regardless of the iOS version, the PSP/merchant always needs to make sure the parent page domain is the one registered in the Developer portal, and used in the request to generate a merchant session via ApplePaySession. Cheers, Paris X Pinkney |  WWDR | DTS Engineer
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980
Mar ’25
Inquiry about apple-developer-merchantid-domain-association.txt Security and Access
I have a question regarding the file apple-developer-merchantid-domain-association.txt. I understand that this file is used during API access for Apple Pay Web payments. However, is it necessary for our company to access this file during the payment process? Also, this domain validation file is expected to be placed in the publicly accessible “.well-known” folder on our web server. Is it acceptable for this file to remain readable by third parties on the Internet, including Apple’s servers, without posing any security risks? Since this file is generated during domain registration on the Apple Developer site and is unique to our domain, we believe there should be no security concerns even if accessed by third parties. However, are there any specific security requirements for this domain validation file? Please note that the domain validation has already been successfully completed. We appreciate your time and look forward to your guidance. Best regards,
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May ’25
Is it possible to receive merchant tokens in sandbox?
I'm trying to enable merchant tokens in my test environment. I'm using the demo code below: { ... "recurringPaymentRequest": { "paymentDescription": "A description of the recurring payment to display to the user in the payment sheet.", "regularBilling": { "label": "Recurring", "amount": "4.99", "paymentTiming": "recurring", "recurringPaymentStartDate": "2023-08-11T11:20:32.369Z" }, "trialBilling": { "label": "7 Day Trial", "amount": "0.00", "paymentTiming": "recurring", "recurringPaymentEndDate": "2023-08-11T11:20:32.369Z" }, "billingAgreement": "A localized billing agreement displayed to the user in the payment sheet prior to the payment authorization.", "managementURL": "https://applepaydemo.apple.com", "tokenNotificationURL": "https://applepaydemo.apple.com" }, ... } I'm able to see the recurring prompts in the payment sheet, but after processing I do not see the merchant token anywhere. I'm looking in the paymentData object and I do not see the merchantTokenIdentifier. I've tried using the Visa, Mastercard, Amex, and Discover test cards, but still no luck. I seen similar threads on these forums, but never with an answer. Has anybody been able to test merchant tokens in sandbox?
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629
Oct ’24
How to query for passes inside Apple Wallet using tokenReferenceID?
We have a requirement to include Apple Pay In-App Provisioning in our Mobile Application and we have an API from Backend to get the tokenReferenceID for a given Card. I want to query the passes from Apple Wallet to see if there are any matches to the given tokenReferenceID before I can decide whether to show the “Add to Apple Wallet” button or not. I went through all PassKit APIs but couldn’t find a way to query for passes with tokenReferenceID. We have primaryAccountIdentifier, deviceAccountIdentifier but which one should be used to match with tokenReferenceID? Can someone please help me how to query the Wallet passes with tokenReferenceID using PassKit?
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725
Sep ’24
Promotional Offer Code Not Accepted on Subscription Plans
I have an Apple subscription with a 2-week introductory offer and a 3-month promotional offer code. There are 2 subscription plans: 1-month subscription 12-month subscription For the 1-month plan, my promotional offer code is "Monthly_Free," and for the 12-month plan, my promotional offer code is "Yearly_Free." However, when users try to enter the respective promo codes for the 1-month or 12-month plans, they receive the following error: "Offer not available. Your account is not eligible for this offer. You can still subscribe at the regular plan price." This works fine in the sandbox account, where I can use the promo codes as many times as needed, switching between the 1-month and 12-month plans easily. What could be the issue here?
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363
Dec ’24
HCE Default app for double tap of power button
I have the HCE entitlements, but it's not clear from the documentation I have, how to configure my app as the default app for the double tap of the power button. Nor can i see where this is in iOS 18.2 settings. The closest I can find is 'Settings > Default Apps > Contactless App', which still shows only Wallet after I install my app with all the new entitlements and provisioning profile. I have these entitlement successfully provisioning my app: <key>com.apple.developer.nfc.hce</key> <true/> <key>com.apple.developer.nfc.hce.iso7816.select-identifier-prefixes</key> <array> <string>A0000000031010</string> <string>A00000002501</string> <string>A0000000049999</string> <string>A0000000041010</string> </array> <key>com.apple.developer.nfc.hce.default-contactless-app</key> <true/> The documentation here: https://developer.apple.com/support/hce-transactions-in-apps/ also references a link to changes in Info.plist, but the url takes me to storekit-external-entitlement documentation about dating apps in the netherlands ???!!!??? Any help would be appreciated to at least get started by allowing me to change the double tap action to my app. Thanks
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Jul ’25