PassKit — Apple Pay & Wallet

Accept Apple Pay payments for physical goods and services, and add passes to the user's Wallet. Covers payment buttons, payment requests, authorization, Wallet passes, and merchant configuration. Targets Swift 6.2 / iOS 26+.

Contents

• Setup
• Displaying the Apple Pay Button
• Creating a Payment Request
• Presenting the Payment Sheet
• Handling Payment Authorization
• Wallet Passes
• Checking Pass Library
• Common Mistakes
• Review Checklist
• References

Setup

Project Configuration

1. Enable the Apple Pay capability in Xcode
2. Create a Merchant ID in the Apple Developer portal (format: merchant.com.example.app)
3. Generate and install a Payment Processing Certificate for your merchant ID
4. Add the merchant ID to your entitlements

Availability Check

Always verify the device can make payments before showing Apple Pay UI.

import PassKit

func canMakePayments() -> Bool {
    // Check device supports Apple Pay at all
    guard PKPaymentAuthorizationController.canMakePayments() else {
        return false
    }
    // Check user has cards for the networks you support
    return PKPaymentAuthorizationController.canMakePayments(
        usingNetworks: [.visa, .masterCard, .amex, .discover],
        capabilities: .threeDSecure
    )
}

Displaying the Apple Pay Button

SwiftUI

Use the built-in PayWithApplePayButton view in SwiftUI.

import SwiftUI
import PassKit

struct CheckoutView: View {
    var body: some View {
        PayWithApplePayButton(.buy) {
            startPayment()
        }
        .payWithApplePayButtonStyle(.black)
        .frame(height: 48)
        .padding()
    }
}

UIKit

Use PKPaymentButton for UIKit-based interfaces.

let button = PKPaymentButton(
    paymentButtonType: .buy,
    paymentButtonStyle: .black
)
button.cornerRadius = 12
button.addTarget(self, action: #selector(startPayment), for: .touchUpInside)

Button types: .buy, .setUp, .inStore, .donate, .checkout, .book, .subscribe, .reload, .addMoney, .topUp, .order, .rent, .support, .contribute, .tip

Creating a Payment Request

Build a PKPaymentRequest with your merchant details and the items being purchased.

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

    request.paymentSummaryItems = [
        PKPaymentSummaryItem(label: "Widget", amount: 9.99),
        PKPaymentSummaryItem(label: "Shipping", amount: 4.99),
        PKPaymentSummaryItem(label: "My Store", amount: 14.98) // Total (last item)
    ]

    return request
}

The last item in paymentSummaryItems is treated as the total and its label appears as the merchant name on the payment sheet.

Requesting Shipping and Contact Info

request.requiredShippingContactFields = [.postalAddress, .emailAddress, .name]
request.requiredBillingContactFields = [.postalAddress]

request.shippingMethods = [
    PKShippingMethod(label: "Standard", amount: 4.99),
    PKShippingMethod(label: "Express", amount: 9.99),
]
request.shippingMethods?[0].identifier = "standard"
request.shippingMethods?[0].detail = "5-7 business days"
request.shippingMethods?[1].identifier = "express"
request.shippingMethods?[1].detail = "1-2 business days"

request.shippingType = .shipping // .delivery, .storePickup, .servicePickup

Supported Networks

Query available networks at runtime with PKPaymentRequest.availableNetworks().

Presenting the Payment Sheet

Use PKPaymentAuthorizationController (works in both SwiftUI and UIKit, no view controller needed).

@MainActor
func startPayment() {
    let request = createPaymentRequest()
    let controller = PKPaymentAuthorizationController(paymentRequest: request)
    controller.delegate = self
    controller.present()
}

Handling Payment Authorization

Implement PKPaymentAuthorizationControllerDelegate to process the payment token.

extension CheckoutCoordinator: PKPaymentAuthorizationControllerDelegate {
    func paymentAuthorizationController(
        _ controller: PKPaymentAuthorizationController,
        didAuthorizePayment payment: PKPayment,
        handler completion: @escaping (PKPaymentAuthorizationResult) -> Void
    ) {
        // Send payment.token.paymentData to your payment processor
        Task {
            do {
                try await paymentService.process(payment.token)
                completion(PKPaymentAuthorizationResult(status: .success, errors: nil))
            } catch {
                completion(PKPaymentAuthorizationResult(status: .failure, errors: [error]))
            }
        }
    }

    func paymentAuthorizationControllerDidFinish(
        _ controller: PKPaymentAuthorizationController
    ) {
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