I am experiencing exactly the same. For me it is the call to CardSession.isEligible(), returns True when deployed via Xcode and False when obtaining the App via TestFlight or AppStore(Production). This is using an EU phone/ iCloud Account. I feel it would be useful for Apple to provide more information on what is going on 'under-the-hood' when CardSession.isEligible() is being called; is it checking an IP? GPS location? A credit-card/payment information to determine whether the user/phone is EU/EEA eligible? Because it is not the Location set in Media/Purchases - this makes no difference!