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Apple Pay Documentation

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In-App Provisioning Error
We have implemented In-App Provisioning, but when I start the tokenization process, I receive an error before the terms and conditions. We are testing with a version of the app on TestFlight. The error message is: Could not add card. Try again later or contact your card issuer for more information. Could you please help me?
2
2
551
Oct ’25
Wallet Extension show tips "Cannot Add Card"
When integrating the Wallet Extension, after clicking my app icon from the "From Apps on Your iPhone" list, I encountered the message: "Cannot Add Card. 'XXX' is not responding. Wait a few minutes and try again. If the problem continues, contact the card issuer's customer service" instead of the configured login page appearing as expected. What could be causing this issue, and how should I resolve it?
2
2
608
Oct ’25
Apple Pay JS v3 in Angular: postMessage origin mismatch and onpaymentauthorized never fires
Description: I’m integrating Apple Pay JS (version 3) into an Angular application. Here are the key details: Environment: Angular (latest) Apple Pay JS v3 Chrome (confirmed window.ApplePaySession is available) application region is in US. I'm in Taiwan and using my iPhone Taiwan account to scan the QR Code/ Implemented Handlers: onvalidatemerchant onpaymentmethodselected onpaymentauthorized oncancel Observed Behavior: When I click the Apple Pay button, the console logs: Failed to execute 'postMessage' on 'DOMWindow': The target origin provided ('https://applepay.cdn-apple.com') does not match the recipient window's origin ('https://{our-domain-name}') Despite this, the QR code still appears. Scanning the QR code with an iPhone 13 Pro running iOS 18.4.1 brings up the Apple Pay sheet with the correct amount, but payment never completes. In the browser, none of my Angular event handlers fire except oncancel. Questions: What causes the postMessage origin mismatch with Apple’s CDN frame, and how should my application handle it? Why doesn’t onpaymentauthorized ever fire, and how can I complete the payment flow so that session.completePayment() succeeds? Any guidance or sample code snippets for a proper merchant-validation and payment-completion sequence in this setup would be greatly appreciated. my code onApplePayButtonClicked() { if (!ApplePaySession) { console.error('[ApplePay] ApplePaySession is not supported'); return; } // Define ApplePayPaymentRequest const request : ApplePayJS.ApplePayPaymentRequest = { countryCode: this.currencyCode, currencyCode: Constants.CountryCodeUS, merchantCapabilities: this.merchantCapabilities, supportedNetworks: this.supportedNetworks, total: { label: this.label, type: "final" as ApplePayJS.ApplePayLineItemType, amount: this.orderAmount.toString(), }, }; // Create ApplePaySession const session = new ApplePaySession(3, request); session.onvalidatemerchant = async event => { console.info('[ApplePay] onvalidatemerchant', event); try { const merchantSession = await fetch(`${this.paymentUrl}/api/applepay/validatemerchant`, { method: 'POST', headers: { 'Content-Type': 'application/json', }, body: JSON.stringify({ PKeyCompany: this.paymentAppleMerchantId, ValidationUrl: event.validationURL }) }).then((r) => r.json()); session.completeMerchantValidation(merchantSession); } catch (error) { console.error('[ApplePay] onvalidatemerchant MerchantValidation error', error); session.abort(); } }; session.onpaymentauthorized = (event) => { console.info('[ApplePay] paymentauthorized', event); const token = event.payment.token; this.paymentTokenEmitted.emit({ token: JSON.stringify(token), paymentType: PaymentOptionType.ApplePay }); session.completePayment(ApplePaySession.STATUS_SUCCESS); }; session.onpaymentmethodselected = (event) => { console.info('[ApplePay] paymentmethodselected', event); const update: ApplePayJS.ApplePayPaymentMethodUpdate = { newTotal: request.total }; session.completePaymentMethodSelection(update); }; session.oncancel = (event) => { console.error('[ApplePay] oncancel', event); this.errorEmitted.emit({ error: 'Apple Pay cancel' }); }; session.begin(); }
3
2
330
Oct ’25
How to become an approved Apple Pay Payment Service Provider
Hello. What is the process to get my company listed as an approved Apple Pay Payment Service provider here: https://developer.apple.com/apple-pay/payment-platforms/ We are integrating Apple Pay on our gateway. Our customers are merchants who accept ecommerce payments via our payment gateway. We would like to appear on the list here: https://developer.apple.com/apple-pay/payment-platforms/ Thank you.
1
2
141
Jun ’25
ApplePaySession.applePayCapabilities() started returning applePayUnsupported in third-party browsers
We rely on ApplePaySession.applePayCapabilities() to decide whether to show the Apple Pay button. We use two different merchant IDs for non-prod/prod environments, and encountered a change in behavior where this API now returns different results. These merchant IDs are generated from a third-party provider Adyen. However, Adyen has informed us that they are unable to identify the root cause of the issue and advised us to seek assistance directly from Apple Pay support. Timeline Last known working date: 13/08/2025 Issue first noticed: 18/08/2025 Environment Details Apple Pay JS API version 1.latest Browsers Tested: Third party browsers including Chrome/139.0.0.0, Firefox/141.0 Browsers with ApplePaySession built-in (like iOS Chrome, iOS Safari, and macOS Safari) are working fine Framework Stack: Angular v18.1.3 (important) no configuration setup in Apple dev account, merchantId is generated from a third-party provider Adyen. Current Execution Flow: Apple Pay JS API script element is injected <script type="text/javascript" async="" src="https://applepay.cdn-apple.com/jsapi/1.latest/apple-pay-sdk.js"></script> Triggers below to check apple pay readiness, different ${merchantId_credential} is used: await window.ApplePaySession.applePayCapabilities(`${merchantId_credential}`); (**ApplePaySession is a valid object at this point) Observed that different paymentCredentialStatus is returned // nonprod env { "paymentCredentialStatus": "applePayUnsupported" // unexpected } // prod env { "paymentCredentialStatus": "paymentCredentialStatusUnknown" } The same code is executed in each environment and the behaviour was also the same, but has changed since then. Side notes By checking the SDK’s internal code, we saw that in third-party browsers it makes an extra call to the following endpoint. Responses from this call also come back differently depending on the merchantId. When invoking below: curl -X POST \ https://smp-paymentservices.apple.com/paymentservices/v3/checkStatus/merchant/{merchantId} \ -H 'Content-Type: application/json' \ -d '{ "initiative": "web", "initiativeContext": "env_specific_domain" }' Our non-prod environment returns {"registered":false} while using prod's merchantId and domain it returns {"registered":true}. We thought the issue might be domain-related since the environments are on different domains, but so far, no luck. The main questions we're looking to resolve are: Why did the behavior change at a certain point despite no code changes? How should we approach this investigation, and what specific requests should we be making to the Adyen team? Why does the response from the call to https://smp-paymentservices.apple.com/paymentservices/v3/checkStatus/merchant/{merchantId} return different results? Perhaps this could provide a clue regarding the question above? We noticed that canMakePayments() is returning true, so we could consider using that as a workaround. Would it be safe to change the source of truth relying on canMakePayments() for displaying Apple Pay? There is a concern that this issue may also occur in our production environment, so we would appreciate assistance in understanding what is happening and finding a resolution.
4
0
432
Oct ’25
Issuer Functional Requirements Apple Pay Specifications Version 3.5
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.
1
2
417
Dec ’25
Error during In-App Provisioning (eligibility step, PKErrorHTTPResponseStatusCodeKey=500)
We are implementing in-app provisioning in our fintech app; We are reaching out to ask for your help in understanding what is going wrong so we can fix it. What happens: User taps “Add to Apple Wallet” → we present PKAddPaymentPassViewController → they tap Next → after a few seconds the flow fails with "Set Up Later" alert. Device log: "eligibility request failure", "Received HTTP 500" )'; underlyingError: 'Error Domain=PKPaymentWebServiceErrorDomain Code=0 "Unexpected error." UserInfo={PKErrorHTTPResponseStatusCodeKey=500, NSLocalizedDescription=Unexpected error.}'; userInfo: '{ PKErrorHTTPResponseStatusCodeKey = 500; }'; > Feedback Assistant ID: FB22176928 (In-App Provisioning issue 500 Internal Server Error)
0
2
195
Mar ’26
Error Domain=PKPassKitErrorDomain Code=2
This error occurs in Apple Pay Wallet In-App Provisioning Flow for Credit / Debit Cards When the data received from the PNO (Visa) is passed to PKAddPaymentPassRequest this error is seen in addPaymentPassViewController, in the finalize stage. Docs provide no clue as to what could be wrong. iOS 18.2.1 XCode 15.2 Error description mentions "unsupportedVersionError" Is the pass version not supported? Is the wallet version not supported? Is it an app implementation error or error in the data received from the PNO?
4
3
910
Oct ’25
cant add Apple Pay Mastercard test card
I recently created a Sandbox account and successfully added an Apple Pay test MasterCard to the sandbox Wallet to run a test. Yesterday, I created a different account and tried to add a MasterCard on another device, but I received a "Card device limit" error. I then deleted the card from the original device (where it had been successfully added) and tried to re-add it, but this device also failed. I was able to confirm that a JCB card can be added, but I need to test with MasterCard. What should I do to resolve this?
4
7
436
Dec ’25
In-App Provisioning Error
We have implemented In-App Provisioning, but when I start the tokenization process, I receive an error before the terms and conditions. We are testing with a version of the app on TestFlight. The error message is: Could not add card. Try again later or contact your card issuer for more information. Could you please help me?
Replies
2
Boosts
2
Views
551
Activity
Oct ’25
Wallet Extension show tips "Cannot Add Card"
When integrating the Wallet Extension, after clicking my app icon from the "From Apps on Your iPhone" list, I encountered the message: "Cannot Add Card. 'XXX' is not responding. Wait a few minutes and try again. If the problem continues, contact the card issuer's customer service" instead of the configured login page appearing as expected. What could be causing this issue, and how should I resolve it?
Replies
2
Boosts
2
Views
608
Activity
Oct ’25
Apple Pay JS v3 in Angular: postMessage origin mismatch and onpaymentauthorized never fires
Description: I’m integrating Apple Pay JS (version 3) into an Angular application. Here are the key details: Environment: Angular (latest) Apple Pay JS v3 Chrome (confirmed window.ApplePaySession is available) application region is in US. I'm in Taiwan and using my iPhone Taiwan account to scan the QR Code/ Implemented Handlers: onvalidatemerchant onpaymentmethodselected onpaymentauthorized oncancel Observed Behavior: When I click the Apple Pay button, the console logs: Failed to execute 'postMessage' on 'DOMWindow': The target origin provided ('https://applepay.cdn-apple.com') does not match the recipient window's origin ('https://{our-domain-name}') Despite this, the QR code still appears. Scanning the QR code with an iPhone 13 Pro running iOS 18.4.1 brings up the Apple Pay sheet with the correct amount, but payment never completes. In the browser, none of my Angular event handlers fire except oncancel. Questions: What causes the postMessage origin mismatch with Apple’s CDN frame, and how should my application handle it? Why doesn’t onpaymentauthorized ever fire, and how can I complete the payment flow so that session.completePayment() succeeds? Any guidance or sample code snippets for a proper merchant-validation and payment-completion sequence in this setup would be greatly appreciated. my code onApplePayButtonClicked() { if (!ApplePaySession) { console.error('[ApplePay] ApplePaySession is not supported'); return; } // Define ApplePayPaymentRequest const request : ApplePayJS.ApplePayPaymentRequest = { countryCode: this.currencyCode, currencyCode: Constants.CountryCodeUS, merchantCapabilities: this.merchantCapabilities, supportedNetworks: this.supportedNetworks, total: { label: this.label, type: "final" as ApplePayJS.ApplePayLineItemType, amount: this.orderAmount.toString(), }, }; // Create ApplePaySession const session = new ApplePaySession(3, request); session.onvalidatemerchant = async event => { console.info('[ApplePay] onvalidatemerchant', event); try { const merchantSession = await fetch(`${this.paymentUrl}/api/applepay/validatemerchant`, { method: 'POST', headers: { 'Content-Type': 'application/json', }, body: JSON.stringify({ PKeyCompany: this.paymentAppleMerchantId, ValidationUrl: event.validationURL }) }).then((r) => r.json()); session.completeMerchantValidation(merchantSession); } catch (error) { console.error('[ApplePay] onvalidatemerchant MerchantValidation error', error); session.abort(); } }; session.onpaymentauthorized = (event) => { console.info('[ApplePay] paymentauthorized', event); const token = event.payment.token; this.paymentTokenEmitted.emit({ token: JSON.stringify(token), paymentType: PaymentOptionType.ApplePay }); session.completePayment(ApplePaySession.STATUS_SUCCESS); }; session.onpaymentmethodselected = (event) => { console.info('[ApplePay] paymentmethodselected', event); const update: ApplePayJS.ApplePayPaymentMethodUpdate = { newTotal: request.total }; session.completePaymentMethodSelection(update); }; session.oncancel = (event) => { console.error('[ApplePay] oncancel', event); this.errorEmitted.emit({ error: 'Apple Pay cancel' }); }; session.begin(); }
Replies
3
Boosts
2
Views
330
Activity
Oct ’25
How to become an approved Apple Pay Payment Service Provider
Hello. What is the process to get my company listed as an approved Apple Pay Payment Service provider here: https://developer.apple.com/apple-pay/payment-platforms/ We are integrating Apple Pay on our gateway. Our customers are merchants who accept ecommerce payments via our payment gateway. We would like to appear on the list here: https://developer.apple.com/apple-pay/payment-platforms/ Thank you.
Replies
1
Boosts
2
Views
141
Activity
Jun ’25
ApplePaySession.applePayCapabilities() started returning applePayUnsupported in third-party browsers
We rely on ApplePaySession.applePayCapabilities() to decide whether to show the Apple Pay button. We use two different merchant IDs for non-prod/prod environments, and encountered a change in behavior where this API now returns different results. These merchant IDs are generated from a third-party provider Adyen. However, Adyen has informed us that they are unable to identify the root cause of the issue and advised us to seek assistance directly from Apple Pay support. Timeline Last known working date: 13/08/2025 Issue first noticed: 18/08/2025 Environment Details Apple Pay JS API version 1.latest Browsers Tested: Third party browsers including Chrome/139.0.0.0, Firefox/141.0 Browsers with ApplePaySession built-in (like iOS Chrome, iOS Safari, and macOS Safari) are working fine Framework Stack: Angular v18.1.3 (important) no configuration setup in Apple dev account, merchantId is generated from a third-party provider Adyen. Current Execution Flow: Apple Pay JS API script element is injected <script type="text/javascript" async="" src="https://applepay.cdn-apple.com/jsapi/1.latest/apple-pay-sdk.js"></script> Triggers below to check apple pay readiness, different ${merchantId_credential} is used: await window.ApplePaySession.applePayCapabilities(`${merchantId_credential}`); (**ApplePaySession is a valid object at this point) Observed that different paymentCredentialStatus is returned // nonprod env { "paymentCredentialStatus": "applePayUnsupported" // unexpected } // prod env { "paymentCredentialStatus": "paymentCredentialStatusUnknown" } The same code is executed in each environment and the behaviour was also the same, but has changed since then. Side notes By checking the SDK’s internal code, we saw that in third-party browsers it makes an extra call to the following endpoint. Responses from this call also come back differently depending on the merchantId. When invoking below: curl -X POST \ https://smp-paymentservices.apple.com/paymentservices/v3/checkStatus/merchant/{merchantId} \ -H 'Content-Type: application/json' \ -d '{ "initiative": "web", "initiativeContext": "env_specific_domain" }' Our non-prod environment returns {"registered":false} while using prod's merchantId and domain it returns {"registered":true}. We thought the issue might be domain-related since the environments are on different domains, but so far, no luck. The main questions we're looking to resolve are: Why did the behavior change at a certain point despite no code changes? How should we approach this investigation, and what specific requests should we be making to the Adyen team? Why does the response from the call to https://smp-paymentservices.apple.com/paymentservices/v3/checkStatus/merchant/{merchantId} return different results? Perhaps this could provide a clue regarding the question above? We noticed that canMakePayments() is returning true, so we could consider using that as a workaround. Would it be safe to change the source of truth relying on canMakePayments() for displaying Apple Pay? There is a concern that this issue may also occur in our production environment, so we would appreciate assistance in understanding what is happening and finding a resolution.
Replies
4
Boosts
0
Views
432
Activity
Oct ’25
Retention Messaging API
Does anyone have info about the Retention Messaging API. We've requested access to it, but there's no answer.
Replies
1
Boosts
2
Views
248
Activity
Oct ’25
Issuer Functional Requirements Apple Pay Specifications Version 3.5
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.
Replies
1
Boosts
2
Views
417
Activity
Dec ’25
Cannot Add Mastercard for Apple Pay Testing
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?
Replies
1
Boosts
2
Views
244
Activity
Dec ’25
Error during In-App Provisioning (eligibility step, PKErrorHTTPResponseStatusCodeKey=500)
We are implementing in-app provisioning in our fintech app; We are reaching out to ask for your help in understanding what is going wrong so we can fix it. What happens: User taps “Add to Apple Wallet” → we present PKAddPaymentPassViewController → they tap Next → after a few seconds the flow fails with "Set Up Later" alert. Device log: "eligibility request failure", "Received HTTP 500" )'; underlyingError: 'Error Domain=PKPaymentWebServiceErrorDomain Code=0 "Unexpected error." UserInfo={PKErrorHTTPResponseStatusCodeKey=500, NSLocalizedDescription=Unexpected error.}'; userInfo: '{ PKErrorHTTPResponseStatusCodeKey = 500; }'; > Feedback Assistant ID: FB22176928 (In-App Provisioning issue 500 Internal Server Error)
Replies
0
Boosts
2
Views
195
Activity
Mar ’26
Error Domain=PKPassKitErrorDomain Code=2
This error occurs in Apple Pay Wallet In-App Provisioning Flow for Credit / Debit Cards When the data received from the PNO (Visa) is passed to PKAddPaymentPassRequest this error is seen in addPaymentPassViewController, in the finalize stage. Docs provide no clue as to what could be wrong. iOS 18.2.1 XCode 15.2 Error description mentions "unsupportedVersionError" Is the pass version not supported? Is the wallet version not supported? Is it an app implementation error or error in the data received from the PNO?
Replies
4
Boosts
3
Views
910
Activity
Oct ’25
Developer Account Payment issue
I am facing a problem of payment using credit card. I tried several banks and cards without any result. I also used one of the card I have successfully paid another account. Heeeeelp
Replies
3
Boosts
0
Views
647
Activity
Dec ’25
cant add Apple Pay Mastercard test card
I recently created a Sandbox account and successfully added an Apple Pay test MasterCard to the sandbox Wallet to run a test. Yesterday, I created a different account and tried to add a MasterCard on another device, but I received a "Card device limit" error. I then deleted the card from the original device (where it had been successfully added) and tried to re-add it, but this device also failed. I was able to confirm that a JCB card can be added, but I need to test with MasterCard. What should I do to resolve this?
Replies
4
Boosts
7
Views
436
Activity
Dec ’25