Apple pay developer guide

An easier way to pay within apps and websites.

Apple Pay provides an easy and secure way to make payments in your iOS, iPadOS, and watchOS apps, and on websites in Safari. And now, Apple Pay can also be used in Messages for Business and in iMessage extensions. By using Face ID, Touch ID, or double-clicking Apple Watch, users can quickly and securely provide their payment, shipping, and contact information to check out. Customers love the simplicity of Apple Pay, and you’ll love the increased conversion rates and new user adoption that come with it.

Checkout is simpler.

Accepting Apple Pay is faster than accepting traditional credit and debit cards and other payment methods. Customers no longer need to spend time searching for their wallet or finding the right card. Within apps or websites your customers can check out with a single touch.

Express checkout

Customers can complete their purchase from a product page with a single tap, without the need to add to a cart or fill out a form.

Defaulting

Make checkout simple and fast by using Apple Pay as the default payment method. With Apple Pay as the default and prominent option, you can reduce cart abandonment and customer frustration, and increase conversion.

Inline setup

Users who have not yet provided a card can do so and pay immediately without leaving your app or website. Detect if customers are using an Apple Pay-capable device and offer to set up Apple Pay within the checkout process.

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Apple pay developer guide

Developer

Apple Pay Programming Guide

Configuring Your Environment

A merchant ID identifies you to Apple Pay as being able to accept payments. A Payment Processing certificate that is associated with your merchant ID is used to encrypt payment information. Before your app can use Apple Pay, you need to register a merchant ID and create its Payment Processing certificate.

To register a Merchant ID

Under Identifiers, select Merchant IDs.

Click the Add button (+) in the upper-right corner.

Enter a description and identifier, and click Continue.

Review the settings, and click Register.

To create a Payment Processing certificate

Under Identifiers, select Merchant IDs.

Select the merchant ID from the list, and click Edit.

In the Payment Processing Certificates section, click Create Certificate. Follow the instructions to obtain or generate your certificate signing request (CSR), and click Continue.

Click Choose File, select your CSR, and click Generate.

Download the certificate by clicking Download, and click Done.

If you see a warning in Keychain Access that the certificate was signed by an unknown authority or that it has an invalid issuer, make sure you have the WWDR intermediate certificate — G2 and the Apple Root CA — G2 installed in your keychain. You can download them from apple.com/certificateauthority.

To enable Apple Pay for your app in Xcode, open the Capabilities pane. Select the switch in the Apple Pay row, and then select the merchant IDs you want the app to use.

When troubleshooting, it is sometimes helpful to enable Apple Pay manually. Follow these steps to manually enable Apple Pay:

Under Identifiers, select App IDs.

Select the app ID from the list, and click Edit.

Select Apple Pay, then click Edit.

Select the merchant IDs you want to use, and click Continue.

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Apple pay developer guide

Developer

Apple Pay Programming Guide

About Apple Pay

Apple Pay is a mobile payment technology that provides an easy and secure way for users to pay for real-world goods and services in your iOS apps, watchOS apps, and websites on Safari. This programming guide discusses Apple Pay in iOS apps.

For Apple Pay on the web, see Apple Pay JS.

For digital goods and services delivered within the app, see In-App Purchase Programming Guide.

Working with Apple Pay

Apps that use Apple Pay need to enable the Apple Pay capabilities in Xcode. You also register a merchant ID and create a Payment Processing certificate, which is a cryptographic key that is used to securely send payment data to your server.

To initiate a payment, your app creates a payment request. This request includes the subtotal for the services and goods purchased, as well as any additional charges for tax, shipping, or discounts. Pass this request to a payment authorization view controller, which displays the request to the user and prompts for any needed information, such as a shipping or billing address. Your delegate is called to update the request as the user interacts with the view controller.

As soon as the user authorizes the payment, Apple Pay encrypts payment information to prevent an unauthorized third party from accessing it. On the device, Apple Pay sends the payment request to the Secure Element, which is a dedicated chip on the user’s device. The Secure Element adds the payment data for the specified card and merchant, creating an encrypted payment token. It then passes this token to Apple’s servers, where it is reencrypted using your Payment Processing certificate. Finally, the servers pass the token back to your app for processing.

The payment token is never accessed or stored on Apple’s servers. The servers simply reencrypt the token using your certificate. This process lets your app securely encrypt the payment information without it having to distribute your Payment Processing certificate as part of the app.

For more information about Apple Pay’s security, see iOS Security Guide.

In most cases, your app passes the encrypted payment token to a third-party payment solution provider to decrypt and process the payment. However, if your team has an existing payment infrastructure, you can decrypt and process the payment on your own server.

For information about payment solution providers that support Apple Pay, see Apple Pay — Apple Developer.

Testing Apple Pay Transactions

Use the Apple Pay Sandbox environment to test your transactions with test payment cards.

In App Store Connect, create a test account. This account works for both App Store and Apple Pay testing.

On a valid test device, log into iCloud using the test account.

In the Wallet app, add a new card using manual entry.

Logging in and out of your iCloud account removes your cards. Test cards can only be used in the Sandbox environment. Additionally, the Sandbox environment tests only the connection between your app and the test card network. It does not test the connection between your app and your payment solution provider.

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Acceptable Use Guidelines for Apple Pay on the Web

These guidelines are for businesses that wish to incorporate Apple Pay into their websites.

Prohibited Uses

You may not incorporate Apple Pay into a website that:

• Violates any law or otherwise fails to comply with legal requirements
• Offers transactions involving:
  • Tobacco, marijuana, or vaping products
  • Firearms, weapons, or ammunition
  • Illegal drugs or non-legally prescribed controlled substances
  • Items that create consumer safety risks
  • Items that are intended to be used to engage in illegal activities
  • Pornography
  • Counterfeit or stolen goods
  • Personal fundraising or collections of nonprofit donations unless approved by Apple
• Primarily offers or sells drug paraphernalia or sexually-oriented items or services
• Promotes hate, violence, or intolerance based on race, age, gender, gender identity, ethnicity, religion, or sexual orientation
• Involves the purchase or transfer of currency (including cryptocurrencies) unless approved by Apple
• Constitutes a staged digital wallet (e.g., where a second payment transaction is conducted in order to complete the first transaction or where there is a substitute merchant of record in a transaction)
• Engages in fraud
• Infringes or violates the intellectual property, publicity, or privacy rights of another
• Shows Apple or its products in a false or derogatory light

Apple reserves the right at any time to disable Apple Pay transactions on your websites for any reason it deems prudent.

Design

Your use of Apple Pay must adhere to the branding and user interface guidelines described in the Apple Pay Marketing Guidelines and Human Interface Guidelines.

Apple Pay APIs

If any webpage of your website accepts other forms of third party payment methods, you must also offer Apple Pay as a payment option on such webpage, at least on parity with such other payment methods (i.e., presented with the same prominence on such webpage). Furthermore, if you invoke the ‘canMakePaymentWithActiveCard’ API and determine that a user has an active card provisioned into Wallet, you must present Apple Pay as the primary – but not necessarily the sole – displayed payment option. For example, you might pre-select Apple Pay as the payment option when you display it alongside other options.

You may not use the Apple Pay for any purpose other than to enable or facilitate an Apple Pay transaction from your website.

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Apple pay developer guide

Apple Pay is a secure, easy way to make payments for physical goods and services — as well as donations and subscriptions — in apps running on iPhone, iPad, Mac, and Apple Watch, and on websites. People authorize payments and provide shipping and contact information, using credentials that are securely stored on the device.

TIP It’s important to understand the difference between Apple Pay and In-App Purchase. Use Apple Pay in your app to sell physical goods like groceries, clothing, and appliances; for services such as club memberships, hotel reservations, and tickets for events; and for donations. Use In-App Purchase in your app to sell virtual goods, such as premium content for your app, and subscriptions for digital content.

Apple Pay in Apps

Apps that accept Apple Pay display an Apple Pay mark wherever available payment options are shown and an Apple Pay button that people tap to bring up a payment sheet. During checkout, the payment sheet can show the credit or debit card linked to Apple Pay, purchase amount (including tax and fees), shipping options, and contact information. People make any necessary adjustments and then authorize payment and complete the purchase.

For developer guidance, see PassKit > Apple Pay.

Apple Pay on the Web

Websites that accept Apple Pay incorporate it into the purchasing flow. An Apple Pay mark should be shown wherever available payment options are shown and an Apple Pay button can be clicked to bring up a payment sheet. During checkout, the payment sheet can show the credit or debit card linked to Apple Pay, purchase amount (including tax and fees), shipping options, and contact information. People make any necessary adjustments, authorize payment, and complete the purchase using securely stored credentials on iPhone, iPad, and Macs that include Touch ID or a Magic Keyboard with Touch ID (for a complete list of supported Macs, see Apple Pay is compatible with these devices). On other Macs, people confirm the purchase with their nearby iPhone or Apple Watch that has Apple Pay enabled.

All websites that offer Apple Pay must include a privacy statement and adhere to the Apple Pay on the Web Acceptable Use Guidelines. For developer guidance, see Apple Pay on the Web. For a hands-on demo of Apple Pay on the web, see Apple Pay on the Web Demo.

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