Cybersource production support has clarified issue as below "On the BAD Case, it seems that the Apple Payload did not contain the "onlinePaymentCryptogram" object within the JSON. The Cryptogram is critical and mandatory. Since the merchant cannot really control this, and since CYBS is just decrypting the payload and uses it, we cannot comment as to why it was missing. The merchant would need to reach out to Apple and/or decrypt the payment themselves locally to check if and why this data was not present, for troubleshooting purposes."

Hello, I'm experiencing an irregular issue with Apple Pay merchant domain verification. As you know, Apple requires domain verification every two months to maintain Apple Pay functionality. The problem is that while the verification sometimes happens automatically without any issues, other times it fails to complete, even though the required file "apple-developer-merchantid-domain-association.txt" is correctly available on our server. When automatic verification fails, the Apple Pay service becomes non-functional on our website, forcing us to perform a manual verification to restore the pending service. Is it normal to encounter such inconsistent automatic verification processes? What could be causing these intermittent verification failures, whereas manual verification always succeed? suggesting this might not be related to IP address restrictions described on the Apple documentation. Thank you in advance,

Hello, we develop a banking app and have successfully provisioned our cards (they are in the Wallet). But the method passes() of PassKit library always returns empty list. What may be the reason of this? Thanks.

During checkout at apple.com using a non-supported Apple Pay on the Web browser, apple.com presents a QR like code offering to "Scan Code with iPhone" to pay. The payment continues using Apple Pay on the iPhone after scan. We already offer Apple Pay and Apple Pay on the Web. Is this QR code option available for us for non-supported browsers? Could you point me to the docs to add it? Thank you.

When I use my iPhone to scan the apple pay QR code in chrome, the url is https://applepaydemo.apple.com/apple-pay-js-api, I keep geting the "Service Unavailable" error. Wonder know if you guys meet this error as well? Btw, the QR code feature needs IOS 18.

Our company sells insurance and we'd like to offer annual renewals via Apple Pay on the Web. Most of the docs seem to point towards using recurringpaymentrequest but this method required an amount value which would only be calculated at renewal time. It appears that Shopify is doing something akin to what we want where they do auto payments so my question is can we do annual payments with unknown renewal prices with Apple Pay for Web ? What we cannot do is show the renewal price like this as it being insurance is almost certain to change. This is our current code which works but won't get past the regulator. const applePayPaymentRequestAnnual = { countryCode: 'GB', currencyCode: 'GBP', supportedNetworks: ['visa', 'masterCard'], merchantCapabilities: ['supports3DS'], requiredBillingContactFields: ['postalAddress', 'email'], requiredShippingContactFields: ['phone'], recurringPaymentRequest: { paymentDescription: 'Annual Insurance Renewal', regularBilling: { label: 'Annual Renewal Premium', amount: price, paymentTiming: "recurring", recurringPaymentIntervalUnit: "year", recurringPaymentStartDate: year + "-" + month + "-" + day + "T00:00:00.000Z", type: 'final' }, managementURL: window.location.protocol + '//' + window.location.host + '/manage-policy', tokenNotificationURL: window.location.protocol + '//' + window.location.host + '/apple-pay-notifications' }, lineItems: [{ label: alabel, amount: price, }], total: { label: alabel, amount: price, type: "final" }, }

Hello, I’m experiencing a strange issue with a newly created Subscription Group in my iOS app. For all my existing subscription groups, everything works perfectly — initial purchase, renewals, cancellations, all notifications arrive normally. But for this one newly created group, the first purchase never triggers any server notification from App Store Server Notifications (ASSN). ⸻ 📘 Problem Summary • I created a new Subscription Group in App Store Connect. • The products are all Approved and Published for over a week. • Users can successfully purchase the subscription in production. • The purchase is shown as Purchased in the App Store purchase UI. • The receipt can be fetched locally on device. • But my server receives no notifications, including: • DID_RENEW • DID_CHANGE_RENEWAL_STATUS • SUBSCRIBED • ONE_TIME_CHARGE • CONSUMPTION_REQUEST • etc. The old subscription groups still send notifications normally, so the notification URL and server infrastructure are correct.

Bank Accounts details are outdated and status is stack on processing with error: "Your banking updates are processing, and you should see the changes in 24 hours. You won't be able to make any additional updates until then." This is now stack for a few years since we activated a previous Apple developer account. we must change banking details as it holds up development of an app with in-app purchases. Finance department has been contacted and they do not answer What shall we do? senior support staff keep referring to finance department and is not helping

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

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?

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?

Two subscriptions, Plus and Max, are under the same subscription group, with Max having a higher tier than Plus. Promotional Offers for Max are configured in Apple Store Connect. When a user subscribes to Plus and then upgrades to Max using Promotional Offers, they are prompted with "Upgrade upon expiration" (Figure 1); if they don't use Promotional Offers, they are prompted to "Upgrade immediately" (Figure 2). Question 1: What is the situation with the "upgrade upon expiration" message in Figure 1? Is upgrading using Promotional Offers special? I couldn't find any relevant explanation in Apple's technical documentation. Question 2: Figure 1 shows an "upgrade upon expiration," but after subscribing, the webhook still shows the subscription start time as the current time, meaning the upgrade hasn't started immediately. Is the message incorrect?

Hi everyone, I have a question regarding App Store approval. In my country, Apple In-App Purchases are not supported, so for users in unsupported regions we need to use a third-party payment provider. For countries where In-App Purchases are supported, we plan to use Apple IAP. Could you please advise on the correct approach to ensure the app complies with App Store guidelines and can be approved?

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.

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.

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?

Scenario User is actively subscribed to Monthly Package From the Device App (Manage Subscriptions), user upgrades to Yearly Package Purchase completes successfully on device Issue Do not receive any server notification for this action Month Package Purchase Date: 2025-11-11 19:06:45.537 +0600 Month to Yearly Upgradation Date: 2025-12-11 paymentReferenceId: 510002270528780

Hi, When I try to add a card to wallet, I get this PKPassKitErrorDomain Code=2 error from my logs, and from the SysDiagnose, I get some more detailed error log Error details: Date: December 15, 2025 Time: 15:16 UTC Request URL: https://nc-pod9-smp-device.apple.com:443/broker/v4/devices/041B4183BA1490022104102123315131EBFE2BE7… Response: HTTP Status: 500 – Internal Server Error Time profile: 0.505452 seconds Response headers: Server: Apple Content-Type: text/html X-Content-Type-Options: nosniffStrict-Transport-Security: max-age=31536000; includeSubdomainsDate: Mon, 15 Dec 2025 15:16:59 GMT X-Frame-Options: SAMEORIGIN X-XSS-Protection: 1; mode=blockCross-Origin-Opener-Policy: same-origin Content-Length: 170 Connection: close Response body: Anyone have faced this problem before?

We’re attempting to call the Apple Pay Web Merchant Registration API using our Platform Integrator flow and consistently receive 401 Unauthorized, despite successful TLS/mTLS. Details: Endpoint: https://apple-pay-gateway-cert.apple.com/paymentservices/registerMerchant (POST) Payload: { "domainNames": ["breakerfy.com"], "encryptTo": "platformintegrator.ai.packman", "partnerInternalMerchantIdentifier": "merchant.ai.packman.1", "partnerMerchantName": "breakerfy", "merchantUrl": "https://breakerfy.com" } Domain association: URL: https://breakerfy.com/.well-known/apple-developer-merchantid-domain-association What we tried: We created a Payment Platform Integrator ID (platformintegrator.ai.packman) We created a CertificateSigningRequest We used the certificate signing request to create an Apple Pay Platform Integrator Identity Certificate and downloaded the signed certificate. We exported the Private Key from keychain access in PKCS 12 format We converted both the private key and the signed certificate to PEM format We created a merchant id We used the converted keys to send requests to the API We received { "statusMessage": "Payment Services Exception Unauthorized", "statusCode": "401" } we also tried curl with the original p12 file and also had no luck. What could be the issue ?

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.