Passkit

PassKit

Accept Apple Pay payments for physical goods, real-world services, donations, and recurring subscriptions, and manage Wallet passes. Targets Swift 6.3 / iOS 26+.

Constraint: A single PKPaymentRequest supports at most one optional advanced request type (recurring, automatic reload, deferred, Apple Pay Later, or multi-token). Use separate requests if a transaction requires multiple modes.

Contents

• Setup & Availability
• Apple Pay Button
• Creating a Payment Request
• Authorizing Payments
• Wallet Passes
• Common Mistakes
• Review Checklist
• References

Setup & Availability

1. Enable the Apple Pay capability in Xcode and configure a Merchant ID (merchant.com.example).
2. Verify payment readiness before rendering checkout controls:

import PassKit

func isApplePayAvailable() -> Bool {
    guard PKPaymentAuthorizationController.canMakePayments() else { return false }
    return PKPaymentAuthorizationController.canMakePayments(
        usingNetworks: [.visa, .masterCard, .amex],
        capabilities: .threeDSecure
    )
}

If canMakePayments(usingNetworks:capabilities:) returns true, Apple HIG requires Apple Pay to be presented as a primary payment method.

Apple Pay Button

Always use Apple-provided button views. Never draw custom Apple Pay logos:

// SwiftUI
import SwiftUI
import PassKit

PayWithApplePayButton(.buy) {
    startPayment()
}
.payWithApplePayButtonStyle(.black)
.frame(height: 48)

// UIKit
let button = PKPaymentButton(paymentButtonType: .buy, paymentButtonStyle: .black)
button.addTarget(self, action: #selector(startPayment), for: .touchUpInside)

Creating a Payment Request

Construct a PKPaymentRequest with required merchant details and summary items. The final summary item represents the total charged and must use the merchant or company name:

func makePaymentRequest() -> PKPaymentRequest {
    let request = PKPaymentRequest()
    request.merchantIdentifier = "merchant.com.example.app"
    request.countryCode = "US"
    request.currencyCode = "USD"
    request.supportedNetworks = [.visa, .masterCard, .amex]
    request.merchantCapabilities = .threeDSecure

    request.paymentSummaryItems = [
        PKPaymentSummaryItem(label: "Coffee Beans", amount: NSDecimalNumber(string: "18.00")),
        PKPaymentSummaryItem(label: "Shipping", amount: NSDecimalNumber(string: "4.50")),
        PKPaymentSummaryItem(label: "Roasters Co.", amount: NSDecimalNumber(string: "22.50")) // Merchant total
    ]
    return request
}

Authorizing Payments

Present the payment sheet with PKPaymentAuthorizationController and process token data on your payment processor:

final class CheckoutCoordinator: NSObject, PKPaymentAuthorizationControllerDelegate {
    func paymentAuthorizationController(
        _ controller: PKPaymentAuthorizationController,
        didAuthorizePayment payment: PKPayment,
        handler completion: @escaping (PKPaymentAuthorizationResult) -> Void
    ) {
        // Send payment.token.paymentData to payment gateway (e.g. Stripe, Adyen)
        Task {
            do {
                try await PaymentGateway.charge(token: payment.token)
                completion(PKPaymentAuthorizationResult(status: .success, errors: nil))
            } catch {
                completion(PKPaymentAuthorizationResult(status: .failure, errors: [error]))
            }
        }
    }

    func paymentAuthorizationControllerDidFinish(_ controller: PKPaymentAuthorizationController) {
        controller.dismiss()
    }
}

Wallet Passes

Add passes (.pkpass) to Apple Wallet:

let pass = try PKPass(data: passData)
if PKPassLibrary().containsPass(pass) {
    // Pass already exists in user's Wallet
} else {
    let addController = PKAddPassesViewController(pass: pass)!
    present(addController, animated: true)
}

Common Mistakes

• Incorrect final summary item: The last item in paymentSummaryItems MUST be the grand total and its label MUST be the business name.
• Custom Apple Pay buttons: Drawing custom text or logos violates App Store guidelines and HIG.
• Mixing multiple advanced payment modes: A single PKPaymentRequest can specify only one advanced mode (e.g. recurring or deferred).
• Hardcoding currency or country: Use ISO 4217 currency codes and ISO 3166 country codes matching your merchant account.
• Dismissing sheet without completion call: Always invoke the authorization completion(...) handler before dismissing the payment controller.

Review Checklist

• Apple Pay capability and merchant identifier configured in Xcode
• canMakePayments(usingNetworks:capabilities:) checked before rendering button
• Official PayWithApplePayButton or PKPaymentButton used
• Final payment summary item matches grand total and displays merchant name
• Payment token dispatched securely to processor backend
• Authorization result completion handler called in all code paths

References

• Extended patterns (recurring/deferred payments, coupon codes, pass updates): references/wallet-passes.md
• PassKit framework
• PKPaymentRequest
• PKPaymentAuthorizationController
• PKPaymentButton
• PayWithApplePayButton
• AddPassToWalletButton
• PKPass
• PKAddPassesViewController
• PKPassLibrary
• PKPaymentNetwork
• Apple Pay HIG