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.

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.

Hello, I'm trying to make changes to my website's apple pay flow and an unable to verify if the flow works because I get the following error in the console when trying to pay: TypeError: undefined is not an object (evaluating 'applePaySession.completeMerchantValidation') By following this error message, I try to setup an ngrok proxy to verify my local development domain and that fails as well even though as you can see, the file does actually exist. Can anyone help with A) giving me a different way to develop locally aka having a "successful" apple pay payment so I can verify my website's flow after payment or B) help me figure out why the domain verification is failing. Thanks!

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!

I'm seeking clarification on how Requirement 4.1 ("Card Issuers with a Mobile App must support In-App provisioning") applies when the card issuer uses a third-party mobile banking platform rather than a self-developed app. Our situation: We are a small credit union (the card issuer) Our mobile banking app is provided by a third-party digital banking vendor (white-label, but branded with our name) Card processing is handled by a separate vendor The ambiguity: The Apple Pay Specifications define "Card Issuer Mobile App" as: "The Card Issuer-branded, iOS software application made available on a Device that is used by such Card Issuer's customers to manage, administer, or use Cards." Our mobile banking app meets this definition—it's branded with our name and used by our members to manage their accounts and cards. However, we don't develop or directly control the app; our digital banking vendor does. The webinar FAQ stated: "Do we have to implement in-app provisioning? Yes, if you have an app." Our digital banking vendor interprets this as not applying to them because they are "not the issuer." They've stated: "Apple's requirements are at the card-processor level... our credit unions and, by extension, we are not required to support Apple Pay's in-app provisioning." Our card processor has indicated they will support in-app provisioning integrations but notes "this would be digital provisioning and we would need the digital banking vendor to work with us to enable." Specific questions: When a card issuer uses a third-party mobile banking app (branded for the issuer but developed/maintained by a vendor), does Requirement 4.1 apply? If yes, who bears compliance responsibility—the issuer, the mobile app vendor, or both? If the mobile app vendor does not implement in-app provisioning by January 15, 2026, what is the issuer's exposure? Does the issuer face suspension from the Program due to vendor non-compliance? Is there an alternative compliance path under Requirement 4.8 (Web Provisioning) for issuers whose mobile app vendors cannot deliver in-app provisioning by the deadline? This scenario likely affects hundreds of small financial institutions using shared digital banking platforms. Clarity on vendor vs. issuer responsibility would help the entire ecosystem prepare appropriately. Thank you.

We are a regulated financial institution and Apple Pay issuer seeking clarification on the in-app push provisioning requirement and the January 15, 2026 timeline. Like many community financial institutions: Our mobile banking app is issuer-branded but provided by a third-party vendor Apple Pay enablement and tokenization are handled by a separate card processor While we support Apple’s goals and understand the issuer is ultimately responsible, delivery of in-app provisioning is dependent on third-party vendor roadmaps and cross-vendor integrations that are outside our direct control. Despite active, good-faith efforts with both vendors, current platform constraints make the January 15, 2026 deadline challenging. We would appreciate clarification on: How Apple evaluates compliance when an issuer’s mobile app is built and maintained by a third party Whether any transitional flexibility or phased enforcement is expected for issuers showing documented progress Whether approved web-based provisioning may be acceptable as an interim option How issuers should document due diligence when vendor dependencies delay implementation Additional guidance would help many credit unions and community banks plan appropriately and remain compliant. Thank you for your guidance.

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?

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.

Hi, we are setting up Apple Pay on our website which sells only digital goods. We don't collect a shipping address because we aren't shipping anything. We want to use the user's billing address in order to show them the total amount (including sales tax) before they authorize the purchase. However, it seems that the billing address isn't always provided by Apple Pay before the payment is authorized. With Apple Pay, what is the recommended way of acquiring the user's billing address before they authorize the purchase? -- More details about our setup: We are using the Apple Pay JS API. In createPaymentRequest, we specify requiredBillingContactFields: ['postalAddress'], but per the docs, the address is provided after the user authorizes the transaction. That is too late for us because we want to show the sales tax before the user authorizes the purchase. We have attempted to work around this by getting the billing contact details in session.onpaymentmethodselected. For example: session.onpaymentmethodselected = function (event) { const billingContact = event.paymentMethod.billingContact; // Sometimes `billingContact` exists, but other times it does not } This doc states: Before the user authorizes the transaction, you receive redacted billing contact information in a callback event. The redacted information includes only the necessary data for completing transaction tasks, such as calculating taxes or shipping costs. But in practice, we've observed that sometimes no billing contact information is provided. When a user switches from one card to another, we seem to never get the billing contact associated with the newly selected card. Is there something we're missing?

We are integrating Apple Pay In-App Provisioning in our banking application using an external SDK. The provisioning flow works on the iOS Simulator (mock sheet appears), but fails on real devices via TestFlight with the error: internalInconsistency: "PKAddPaymentPassViewController can not be created" Environment: Xcode 16 iOS 18 Real device: iPhone (tested via TestFlight / Distribution build) Card network: Mastercard What we've verified: com.apple.developer.payment-pass-provisioning entitlement is set to YES in our .entitlements file The entitlement is confirmed present in our Development provisioning profile via security cms -D -i embedded.mobileprovision | grep payment-pass → returns <true/> PKAddPaymentPassViewController.canAddPaymentPass() returns true on the device The card is NOT already in Apple Wallet (0 local/remote Secure Element passes) All provisioning data is present and valid (encryptedPayload, authorizationCode, primaryAccountSuffix, cardholderName) The external SDK is configured successfully at app launch Diagnostic logs from TestFlight build: canAddPaymentPass: true Local SE passes: 0 Remote SE passes: 0 suffix: 6165 name: [redacted] encryptedPayload length: 1130 authCode length: 514 scheme: Mastercard Card already in Wallet: false Error: internalInconsistency("PKAddPaymentPassViewController can not be created") Testing matrix: Environment Result Simulator Mock sheet appears (not a real test) Device + Debugger attached PKAddPaymentPassViewController error Device + Debugger detached (Dev build) SDK error 903: "device environment unsafe" TestFlight (Distribution) PKAddPaymentPassViewController cannot be created Questions: Can PKAddPaymentPassViewController fail to be created even when canAddPaymentPass() returns true? What other conditions could cause this? Is there a way to verify that the Distribution provisioning profile correctly includes the payment-pass-provisioning entitlement after it has been approved by Apple? Are there any additional Apple Pay entitlements or configurations (e.g., Wallet merchant setup, pass type identifiers) required beyond com.apple.developer.payment-pass-provisioning for In-App Provisioning to work? Does regenerating the Distribution provisioning profile on Apple Developer Portal resolve cases where entitlements were added after the profile was originally created? Any guidance would be greatly appreciated. Thank you.

I have some questions related to MPAN. What is the format of an MPAN? Is it the same as DPAN? Is it PAN preserving format? Is a Cryptogram required and if yes, what kind of cryptogram? Is it the same format as DPAN? Thanks in Advance!

We are observing unexpected behavior in Apple Wallet for transactions processed via an online delivery platform. Here is the specific flow: Initial Authorization: The original order was placed for $22.30. Order Amendment: The user added an item 10 minutes later for $6.20, bringing the total to $28.50. The Issue: Apple Wallet only displays the $6.20 transaction. The initial $22.30 amount is not visible in the transaction list. Technical Verification: We confirmed that both backend authorization messages for the original amount and the add-on were approved. We verified that the final settlement amounts correctly reflect the sum of both charges ($28.50). We have confirmed the transaction lifecycle completed successfully on our end. Despite this, the customer only sees the $6.20 entry in their Wallet history, which creates confusion as it doesn't reflect the total spent. Has anyone encountered this sync issue between settlement totals and Wallet display, or is there a specific way we should be linking these related authorizations? Thanks!

Hi Apple Pay Team, We are building a QR-based payment platform and planning to integrate Apple Pay on the Web as a Payment Platform Integrator. Our setup: We operate a single domain (e.g., pay.example.com) where all Apple Pay transactions take place When a customer scans a merchant's QR code, our hosted page opens with the Apple Pay button We process payments on behalf of multiple merchants (receivers), each with a separate merchant ID at our payment processor We want to use a single Payment Platform Integrator ID with one set of certificates (Merchant Identity + Payment Processing) The payment processor handles sub-merchant identification and settlement to the correct receiver via card network (Visa/Mastercard) sub-merchant fields Our question: Since all transactions happen on our single domain, is it mandatory to register each sub-merchant via the Apple Pay Web Merchant Registration API (/paymentservices/registerMerchant) and use their partnerInternalMerchantIdentifier in the payment session request? Or is it acceptable to use our Platform Integrator's own merchant identifier for all payment sessions, given that: Only one domain is involved Sub-merchant identification is handled at the payment processor / card network level Our domain verification file is already hosted and verified We would appreciate clarity on the correct approach before we proceed with our integration. Thank you.

Hi, I am currently implementing a recurring payment feature using the Apple Pay JS API. Based on the official demo (https://applepaydemo.apple.com/apple-pay-js-api), it appears that the recurringPaymentRequest object only supports a maximum of two stages: trialBilling and regularBilling. However, our service requires a multi-stage billing model with three or more different cycles/amounts as shown below: Example Schedule: Stage 1: 2,000 JPY (2026-03-01 to 2026-04-01) Stage 2: 1,500 JPY (2026-04-01 to 2026-10-01) Stage 3: 1,000 JPY (2026-10-01 to 2027-10-01) Stage 4: 500 JPY (Thereafter) Questions: Is there any way to directly define and display three or more different billing cycles/amounts on the Apple Pay payment sheet? If the API is strictly limited to two stages, what is the Apple-recommended way to provide transparency for such complex schedules while remaining compliant with the guidelines? For instance, is it acceptable to set the final amount in regularBilling and explain the preceding stages in the billingAgreement or paymentDescription fields? I would appreciate any insights or official guidance on this. Best regards,

We already have an apple pay integration with a psp.
We have a merchant id with an identity certificate, a processing certificate and merchant domains. We are working to integrate an other psp. This psp have one csr (processing certificate) by customer. All the payment will be processed on the same domain. We have understood that it is not possible to have different processing certificates for a merchant id. So we can not reused our existing merchant id.

 On the other hand, it seems that it is not possible to have different merchant ids on the same domain (because of the domain verification). But all payments are processed on the same domain.

 Do you think there is a solution ?
Is there a recommended workaround for this scenario?