We are developing a native iOS financial application called Tradu: Stocks, Forex, and CFDs (Apple ID: 6473443264), which embeds a WKWebView to render all user-facing logic. All user interactions—including authentication with MFA—occur inside this WKWebView. To access native functionality, we use postMessage() to communicate between the web and native layers. This approach has worked successfully for biometric authentication, for example. We are currently integrating Apple Pay In-App Provisioning and have a few questions regarding compliance with the documentation provided by our Issuer Host (Modulr). In the document titled Getting Started with Apple Pay: In-App Provisioning, Verification, Security, and Wallet Extensions (Version 4.0, February 2023), all examples are based on a fully native application. We’ve managed to integrate most of the In-App Provisioning flow via postMessage() up to the point of passing encryptedData to the Payment View. Apple Pay button inside WKWebView In Section 7: Frontend Overview, the user initiates the provisioning by tapping a native PKPaymentButton (SwiftUI example). In our case, this button is rendered inside the WKWebView, styled according to the Apple Style Guide. While the document references this approach as a “raw mark text supplement,” is this method acceptable and compliant with Apple’s UX and technical guidelines? MFA requirement before provisioning In Section 4: Security Guidelines, it is stated that the user must have passed MFA at least once before starting the provisioning flow. In our implementation, users must complete MFA on every login (including on recognized devices) before the provisioning UI becomes available. Even though this is not tied specifically to “unrecognized devices,” is our MFA requirement sufficient to satisfy Section 4.2? Summary: Is using a web-rendered Apple Pay button inside WKWebView (instead of a native PKPaymentButton) considered compliant? Is our MFA enforcement model (required on every login) aligned with the security requirements outlined in Section 4.2 of the Apple Pay In-App Provisioning documentation?

In the docs, I see a button type with label "Pay With [apple logo]. https://developer.apple.com/design/human-interface-guidelines/apple-pay Although I don't see this type as an option here: https://developer.apple.com/documentation/PassKit/PKPaymentButtonType Wondering if I'm looking in the right place and if this button type is still available?

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/

Hi, I am the developer of this app and I was shared this receipt which strangely does not list my name as the merchant but instead says "The flow network" as you can see below: What is going on?

To perform the integration, it must be done under the same domain that has been validated. Is it not possible to do it in a local environment? Could that be the reason why I can't display the button or complete the validation with the API?

Hello, We are experiencing an issue with Apple Pay integration in our application. We are using WKWebView to handle various payment methods, but we are unable to complete payments via Apple Pay. Upon debugging the WKWebView, we received the following error message: "400 No required SSL certificate was sent" when attempting to process the payment. Currently, we are using a Let's Encrypt SSL certificate. Could you please confirm whether this certificate is suitable for Apple Pay, or if we should be using a different SSL certificate?

https://developer.apple.com/documentation/apple_pay_on_the_web/applepaypaymentrequest/3955945-multitokencontexts According to this document, I know that I can initialize a multiTokenContexts when initializing ApplePayPaymentRequest. But I am now facing a tricky problem. If the user's order does not require multiTokenContexts, then I will not initialize this field when I first make ApplePayPaymentRequest. When the user is in the payment process, I may update multiTokenContexts. But this time, the update is not allowed, ApplePay will be cancelled and the payment will be closed. For example, if the user's address in Apple Pay is different, I need to update multiTokenContexts to support the payment of goods to multiple merchants, which will generate an update of multiTokenContexts. MultiTokenContexts can be updated in the onshippingcontactselected method. https://developer.apple.com/documentation/apple_pay_on_the_web/applepaysession/1778009-onshippingcontactselected My question is that from the beginning, there was no multiTokenContexts to update multiTokenContexts in onshippingcontactselected, which would cause the user to close the payment and need to manually click to pay again. This user experience is not very friendly. Is there a better way for me to go from no multiTokenContexts to multiTokenContexts without interrupting the user's payment process?

we are currently using the requestAutomaticPassPresentationSuppression API in my app. to prevent the Wallet interface from appearing when an NFC/RF reader is detected during active app usage. Recently, a new transit card supporting Express Mode (T-money Transit Card) was released in Korea, and we are seeing an increasing number of users enabling Express Mode. However, this has introduced an issue where users are unable to use the BLE-based functionality we provide via our widget. Specifically, when the user taps our widget, it triggers a BLE signal broadcast for approximately 10 seconds. In this scenario, when the user brings their iPhone close to our reader, Express Mode is activated before the BLE interaction can be established. This prevents the BLE signal from being successfully received and processed. We would like to ask: Is it possible to suppress Express Mode behavior (similar to requestAutomaticPassPresentationSuppression) even when the app is launched via a widget interaction? Alternatively, is there any way to delay or defer Express Mode activation temporarily when launching from a widget or during BLE communication? We would appreciate any guidance or best practices you can share regarding this scenario. Thank you.

During the development of our 3D game project, we encountered high memory usage requirements. To address this, we enabled Apple’s Extended Virtual Addressing (EVA) and Increased Memory Limit services. We have confirmed that both services were enabled in the developer backend as well as in Xcode, and we also used updated development and distribution certificates when building the app. However, in our validation process, it seems that EVA and Increased Memory Limit are not taking effect — the game still experiences memory overflow and crashes. Could you please advise: The correct steps to properly use Extended Virtual Addressing and Increased Memory Limit; How we can confirm whether these services are functioning as expected?

So I'm wondering if Apple makes commission on those payments since they're made in the app. For example a user may pay another user to clean their car. This will be handled with Stripe Connect and their balance, payment history, etc will be displayed in the app. Does Apple charge commission on that? The section the app review guidelines that I'm refrencing is below, but I'm still a little confused. 3.1.3(e) Goods and Services Outside of the App: If your app enables people to purchase physical goods or services that will be consumed outside of the app, you must use purchase methods other than in-app purchase to collect those payments, such as Apple Pay or traditional credit card entry.

We are an acquirer/payment provider offering Apple Pay. Our merchants use our hosted checkout to accept payments. After a user pays with Apple Pay on our checkout, the Wallet transaction record shows our checkout domain as the payee. We would like it to display the merchant’s brand/name so users can recognize or contact the merchant. Is there any parameter or configuration that controls what Wallet shows as the payee? For example, can this be set via a specific field/parameter, or is it strictly derived from the Merchant ID’s display name (or other Apple Pay configuration)? What is the correct approach for a PSP/acquirer to have the merchant’s brand shown in Wallet transaction record? Additional detail: The field in question is the merchant/payee name shown in the Apple Wallet receipt—directly under the transaction amount at the top of the receipt, and again beneath the “Total” line.

Como consigo um código TestFlight. Alguém pode me ajudar, por gentileza

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.

Hi, For one of my projects, I am using the Web Drop-in component of Adyen PSP on a Salesforce B2B Commerce site. One of the payment methods is Apple Pay. The payment method is rendered, but the Apple Pay button is not clickable. We tried debugging it but could not identify the root cause. Could you advise how this issue can be fixed? Thanks

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

We are working with Saferpay. And integrating Applepay Server to Server. But we are having token generation issue. It does not give a valid test card information. We have created a tester account as India country. Is that an issue?

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 have a few questions about the implementation of Apple Pay payments on websites. Could you help me From the documentation: Apple Pay issues an Apple Pay Merchant Token if the user’s payment network supports merchant-specific payment tokens. Otherwise, Apple Pay issues a device token for the payment request. How can we determine whether a token is a merchant token or a device token? Is it possible to determine this by any of the token fields? https://developer.apple.com/documentation/passkit/payment-token-format-reference Is it possible to understand this in other ways? Can I make recurring payments with the device token if it was issued instead of the merchant token? Is it necessary to include the tokenNotificationURL when generating a merchant token, or can we generate one without specifying it? What does the applicationExpirationDate field in the merchant token represent? Is this the date when the device token or merchant token expires and payments cannot be made with it?

A team observed lots of timeouts from the Apple Pay session endpoint: https://apple-pay-gateway-cert.apple.com/paymentservices/paymentSession Is it expected or some kind of an implementation issue from the caller side? Thanks!

Hi everyone, I am new to Apply Pay, but I have already implemented IAP for subscriptions in my app. My app also has other functionalities, it also acts as a person-to-person marketplace, as users can post events or online courses which can be bought by other users to participate. My question is that I have read Apple's review guidelines but it is still unclear for me if I can use Apple Pay (with for example Stripe) or do I still need to use IAP for this online content. Also non profit organizations also can register which can recieve donations, can I also use Apple Pay for that or do I still need IAP there, because it would be nice if Apple would take 30% of donations.