Hello, We are implementing in-app provisioning in our fintech app; the card issuer is a third party, so we have limited control and visibility. We have ruled out the causes we could investigate on our side and on the card issuer’s side. 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: ProvisioningOperationComposer: Step 'eligibility' failed with error <PKProvisioningError: severity: 'terminal'; internalDebugDescriptions: '( "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: FB22007923 (Error during the In-App Provisioning process)

Hi Team, I have merchant session object - {"epochTimestamp":1748333121032,"expiresAt":1748336721032,"merchantSessionIdentifier":"SSH7CCD205FEEDD45AD84B77374D098B335_916523AAED1343F5BC5815E12BEE9250AFFDC1A17C46B0DE5A943F0F94927C24","nonce":"2d18eab4","merchantIdentifier":"8535F497EC92999BAD63C6F213F0F32DEEB5DBF8A0A91007F6C1128537B6FB19","domainName":"f7071159c1tst-store.occa.ocs.oraclecloud.com","displayName":"DDF Test","signature":"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","operationalAnalyticsIdentifier":"DDF Test:8535F497EC92999BAD63C6F213F0F32DEEB5DBF8A0A91007F6C1128537B6FB19","retries":0,"pspId":"8535F497EC92999BAD63C6F213F0F32DEEB5DBF8A0A91007F6C1128537B6FB19"} After sending this to session.compleMerchant I am getting the invalid access error. Regards, Varsha

Hi, I set up a Sandbox Tester account in my company’s Apple Developer Program and signed in on my iPhone under Settings → App Store → Sandbox Account. When I go to Wallet → Add, I only see options for Credit or Debit Card or Travel Card. The option to add an Apple Pay Sandbox Card is missing, and when I try entering the test card numbers from Apple’s documentation (developer.apple.com/apple-pay/sandbox-testing), the card is not valid. Has anyone experienced this and found a solution? Thanks! PS: I can't post this to Wallet Category, I keep getting error that it contains sensitive text.

after doing all the steps as in The app version submission must be in the “Prepare for Submission” state There must be at least one IAP/subscription in the “Ready to Submit” state All banking & agreements must set up and in place I am still not seeing the In-App purchase and subscription in my iOS App Version page to add to my newest version slash build

Hello, we are developing in app provisioning of our American Express network cards. After clicking add to apple wallet in our app, I launch the PKAddPaymentPassViewController and click next. It loads for a few seconds and then I get: [<private>] ProvisioningOperationComposer: Step '<private>' failed with error Error Domain=PKProvisioningErrorDomain Code=5 UserInfo={PKErrorHTTPResponseStatusCodeKey=500} Does anyone have any insight on what this error means?

For Apple Pay testing, I have tried the following: Sign into the Sandbox Account via Developer Settings: Settings > Developer > Sandbox Account Keep your main Apple ID for everything else Add Test Cards to Wallet: Try adding the test card numbers (MasterCard and Visa Debit, as we support only those) Apple provides in their documentation. Unfortunately, none of them are added to the wallet. All the time it gives 'Could Not Add Card'. I tried on devices with iOS 18+. Can anyone advise on this? Thanks

I am adding In-App provisioning to my app. I am able to access the Apple Pay Sandbox and I have successfully tested adding a secure element/payment pass to Apple Wallet. However, once the pass has been added to the wallet, I can not access or retrieve the pass from my app. I have confirmed with the PNO that the PNO Pass Metadata Configuration in the testing environment include the correct metadata for "associatedApplicationIdentifiers" and "associatedStoreIdentifiers". Does anyone know why I am having this issue and how I can resolve it? Steps used to access pass in Apple Wallet I am unable to view the pass when I attempt to access it using the PKPassLibrary function as follows: let library = PKPassLibrary() if #available(iOS 13.4, *) { // This returns an empty array library.passes(of: .secureElement) } else { // This also returns an empty array library.passes(of: .payment) } // This returns an empty array too library.passes() Steps used to add pass to Apple Wallet These are the steps I follow to add the card: I create a PKAddPaymentPassRequestConfiguration I use this config to instantiate a PKAddPaymentPassViewController. I provide the nonce, nonceSignature, and certificates to my PNO along with the card data. I receive the activationData, encryptedPassData, and ephemeralPublicKey from my PNO and create a PKAddPaymentPassRequest using this data. I add the pass to Apple Wallet. In the addPaymentPassViewController callback, I am able to view the pass data from the .didFinishAdding pass: PKPaymentPass? variable. I am also able to see that the pass has been added from Apple Wallet app. I am not able to access the pass using PKPassLibrary().passes() at this point. I am not able to access the pass at any point after adding it either.

Hello, We are experiencing a consistent delay when initiating Apple Pay sessions using the https://apple-pay-gateway.apple.com/paymentservices/startSession endpoint. Below is a detailed overview of our setup and the issue. Setup Our web service is hosted in AWS and there is a proxy server between our web service and Apple servers. We are passing the correct domain in the initiativeContext field of the startSession request. The .well-known/apple-developer-merchantid-domain-association file is hosted on a different domain, which is also correctly configured and associated with our merchant ID in the Apple Developer portal. Observed Behavior When the same request is made from a local development environment, Apple responds immediately (under 1 second). When the request is made from our AWS-hosted service, Apple responds with a valid session, but only after a consistent ~15-second delay. The content and response are otherwise identical — only the timing differs. We would appreciate any insights or suggestions from others who have faced similar behavior or from the Apple Pay team. Thank you in advance!

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.

Hello, we are experiencing issues with adding VISA cards via In-App Provisioning on iOS using PassKit. The same flow works correctly with Mastercard, but for VISA cards the Apple broker endpoint returns HTTP 500. Details Device: iPhone15,3 (iPhone 15 Pro), iOS 18.6.1 (22G90) Region: CZ App: [REDACTED] (version 0.4.3) Issuer ID: [REDACTED] Merchant ID and entitlements are configured and validated. SEID: [REDACTED] Request flow GET /broker/v4/devices/{SEID}/issuerProvisioningCertificates?encryptionVersion=EV_ECC_v2 Request ID: B61363A8-0BFF-4CD6-92BC-52C461DFFAAD Response: 200 OK Conversation ID: e12c64c9a0b54981adfad8d00800d836 Returned nonce: [REDACTED] Timestamp: 2025.08.21_14-01-46+0200 POST /broker/v4/devices/{SEID}/cards Request ID: F29B73CA-CDDE-4C0C-9F40-B87AE006FDDD Payload fields present (values redacted): encryptedCardData [REDACTED], ephemeralPublicKey [REDACTED], publicKeyHash [REDACTED], nonce [REDACTED], issuerIdentifier [REDACTED], encryptionVersion=EV_ECC_v2 Response: 500 Internal Server Error (latency ~0.41s) Timestamp: 2025.08.21_14-01-47+0200 Observation Provisioning succeeds with Mastercard but consistently fails with VISA. The GET issuerProvisioningCertificates succeeds; the POST …/cards returns 500. Request Could you please: Provide internal error details for Request ID F29B73CA-CDDE-4C0C-9F40-B87AE006FDDD (and/or Conversation ID e12c64c9a0b54981adfad8d00800d836), Confirm whether the 500 originates before or after the broker’s call to VTS (Visa Token Service), and Validate that our app/merchant/issuer configuration is fully enabled for VISA push provisioning in our region. Attached privately: sysdiagnose with full traces (can share via secure channel upon request). Kind regards, Martin

I am trying to play around on the Apple Pay demo page (https://applepaydemo.apple.com) and I am getting the following error response. PaymentRequest AbortError: The operation was aborted. I am using the Payment Request API

please bear with me, i am NOT a developer. we have third party developer creating a banking app that is throwing an error when trying to provision MasterCard for Apple Pay. MasterCard says they do not see the request come in at all. our developer says the issue is between mastercard and apple - and asked us to reach out to Apple. Information provided from our developer: “Error code 2 is 'system cancelled' from the PKAddPaymentPassError enum. Basically, there is an issue between Apple and Mastercard (using the encrypted card info from...” Response from Mastercard Connect: Upon further research with the examples you shared we are not seeing any attempt that reached to MC

During Apple Pay in-app provisioning (EV_ECC_v2), our iOS app successfully obtains the issuer provisioning certificates and generates cryptographic material. The flow fails when Apple posts the card blob to Apple’s broker (card creation step), returning HTTP 500 from .../broker/v4/devices/{SEID}/cards. Steps: Call issuerProvisioningCertificates?encryptionVersion=EV_ECC_v2 → 200 OK; returns ECC leaf + Apple Root CA chain; nonce=2a831be4. 2. Build {encryptedCardData, activationData, ephemeralPublicKey} 3. POST /broker/v4/devices/{SEID}/cards Expected: 200 OK on /broker/v4/devices/{SEID}/cards, or 5xx with a descriptive error if payload/cryptography is invalid. Observed: 500 Internal Server Error from Apple broker on /cards (labeled “eligibility” in PassKit logs), causing a terminal failure in Wallet UI.

Hello. we are looking in adding an additional verification method as part of our in app provisioning to apple wallet. the method is called app to app verification method where basically when the customer adds their card (debit or credit) on apple wallet they can be verified through a third party app. does apple support this? where can i find any material related to this?

Dears, Please take a look at case: FB21940123 (Wallet Extension unable to add card) Thanks

We are an issuer attempting to implement In-App Provisioning of Payment Cards leveraging Mastercard MDES and have successfully obtained our entitlement from Apple, but have not received the documentation titled "Getting Started with Apple Pay In-App Provisioning, Verification & Security". The latest copy I have found has been via Scribd for a version 3.0 from June 2020. I've tried contacting Apple Support and the In-App Provisioning Entitlements group but have had no luck. Thank you!

I tried to test In-App Provisioning in Production for our whitelisted app through TestFlight (Internal Testing Track) and we received the following error response from PassBook during the provisioning attempt, Could you please guide us? Error Response from sysdiagnose PassBookUIService during In-App Provisioning attempt: { statusCode = 500; statusMessage = "Broker Service Response exception"; } I reported the error in Feedback Assistant: ID: FB16112348 (500 Broker Service Response exception during Apple Pay In-App Provisioning ). Note:- I am reffering to Getting Started with Apple Pay: In-App Provisioning, Verification, Security, and Wallet Extensions

Hi Guys, I am having an issue verifying a card when it is pending verification in the Apple Watch Wallet App and the iPhone Wallet. When the user verifies the card in the wallets, they are redirected to verification in my APP. However, the problem is that I don't know which application is calling, whether it is the Apple Watch or the iPhone, because the URL sends me the same serialNumber from the PKPASS. It is impossible to know if the user wants to verify and activate the card on the watch or the iPhone. Because I only receive the following information in the URL: myapp://app-url? passTypeldentifier=paymentpass.com.apple&action =verify&serialNumber=***** The serialNumber is the same from the iPhone Wallet and the Watch Wallet. func application(_ app: UIApplication, open url: URL, options: [UIApplication.OpenURLOptionsKey : Any] = [:]) -> Bool { let source = options[.sourceApplication] I try to retrieve the source, but it comes back null. It would be the only way to know the originating App. Can someone help me solve this problem?

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?

We have been using ApplePay on the web for years, but we are running into a problem since today in sandbox where domainName is missing from the create payment sessions request. We haven't changed anything related to this request any time recently. Static payment sessions url being hit in sandbox: https://apple-pay-gateway-cert.apple.com/paymentservices/paymentSession request format: "merchantIdentifier": "merchant.com.identifier", "displayName": "Test Store", "initiative": "web", "initiativeContext": "test.example.com", "domainName": "test.example.com" response format: { "epochTimestamp": 1763533367972, "expiresAt": 1763536967972, "merchantSessionIdentifier": "<merchantSessionIdentifier>", "nonce": "<nonce>", "merchantIdentifier": "<merchantIdentifier>", "displayName": "Test Store", "signature": "<signature>", "initiative": "web", "initiativeContext": "test.example.com", "signedFields": [ "merchantIdentifier", "merchantSessionIdentifier", "initiative", "initiativeContext", "displayName", "nonce" ], "operationalAnalyticsIdentifier": "Test Store:<identifier>", "retries": 0, "pspId": "<pspId>" } Production create session request to https://apple-pay-gateway.apple.com/paymentservices/paymentSession is behaving as expected, sending the following fields as response: epochTimestamp, expiresAt, merchantSessionIdentifier, nonce, merchantIdentifier, domainName, displayName, signature, operationalAnalyticsIdentifier, retries, pspId Claude seems to suggest this is a response when Messages for Business is enabled, but this ApplePay Payment Processing merchant is only configured for Apple Pay on the Web. Any ideas or pointers to check for? We are worried this will spill over in production as well, which will break our ApplePay integration. Thanks in advance!