Apple Pay Integration

Enable Apple Pay payments for a seamless checkout experience using Face ID or Touch ID.

Prerequisites

Moyasar account — Sign up
Publishable API key — Get your API keys
Apple Developer Account — With an active membership
Physical iOS device — Apple Pay requires a real device (simulator not supported)
Xcode — For configuring capabilities

Step 1: Configure Apple Pay in Apple Developer Account

1.1 Create a Merchant ID

Sign in to your Apple Developer Account
Navigate to Certificates, Identifiers & Profiles
Select Identifiers from the left sidebar
Click the + button to create a new identifier
Select Merchant IDs and click Continue
Enter a description (e.g., "Your App Name Apple Pay")
Enter an identifier in the format merchant.com.yourcompany.yourapp
Click Continue then Register

1.2 Enable Apple Pay Capability for Your App ID

In Certificates, Identifiers & Profiles, select Identifiers
Find and select your app's Bundle ID
Scroll down to Capabilities section
Check the box for Apple Pay
Click Save

1.3 Create Apple Pay Payment Processing Certificate

In your Apple Developer Account, go to Certificates, Identifiers & Profiles
Select Merchant IDs from the left sidebar
Click on your Merchant ID
Under Apple Pay Payment Processing Certificate, click Create Certificate
You will be asked: "Will payments be processed in China Mainland?" — Select No (unless applicable)
Download the CSR (Certificate Signing Request) file from Moyasar Dashboard (see Step 2)
Upload the CSR file to Apple
Download the generated .cer certificate file

1.4 Add Apple Pay Capability in Xcode

Open your project in Xcode
Select your app target
Go to Signing & Capabilities tab
Click + Capability and select Apple Pay
Check the box next to your Merchant ID (merchant.com.yourcompany.yourapp)
Ensure your team is selected for code signing

Step 2: Configure Apple Pay in Moyasar Dashboard

2.1 Download CSR from Moyasar

Log in to your Moyasar Dashboard
Navigate to Settings → Apple Pay
Under the Certificate section, click Request CSR
Click Download CSR to save the .csr file to your computer

2.2 Upload CSR to Apple Developer Account

Go to Apple Developer Account → Certificates, Identifiers & Profiles
Select Merchant IDs and click on your Merchant ID
Under Apple Pay Payment Processing Certificate, click Create Certificate
Click Continue on the instructions page
Upload the .csr file you downloaded from Moyasar
Click Continue then Download to get the .cer file

2.3 Upload Certificate to Moyasar

Return to Moyasar Dashboard → Settings → Apple Pay
Under the Certificate section, click Upload File
Select the .cer file you downloaded from Apple
Click Upload to complete the certificate exchange

2.4 Verify Configuration

Ensure the certificate status shows as Active in Moyasar Dashboard
Verify your Merchant ID matches the one configured in Xcode
Test with a sandbox card to confirm the integration works

Step 3: Create the Payment Handler

Create a class that conforms to PKPaymentAuthorizationControllerDelegate. This handler manages the entire Apple Pay payment flow.

import MoyasarSdk
import PassKit

class ApplePayPaymentHandler: NSObject, PKPaymentAuthorizationControllerDelegate {
    private var applePayService: ApplePayService?
    private var controller: PKPaymentAuthorizationController?
    private let paymentRequest: PaymentRequest

    init(paymentRequest: PaymentRequest) throws {
        self.paymentRequest = paymentRequest
        self.applePayService = try ApplePayService(
            apiKey: paymentRequest.apiKey,
            baseUrl: paymentRequest.baseUrl
        )
    }
}

Step 4: Present the Apple Pay Sheet

Configure and present the PKPaymentAuthorizationController:

func present() {
    let request = PKPaymentRequest()
    request.paymentSummaryItems = [
        PKPaymentSummaryItem(label: "Your App Name", amount: 200.00, type: .final)
    ]
    request.merchantIdentifier = "merchant.com.yourapp"
    request.countryCode = "SA"
    request.currencyCode = "SAR"
    request.supportedNetworks = [.visa, .mastercard, .mada, .amex]
    request.merchantCapabilities = [.capability3DS, .capabilityCredit, .capabilityDebit]

    controller = PKPaymentAuthorizationController(paymentRequest: request)
    controller?.delegate = self
    controller?.present { presented in
        print("Apple Pay presented: \(presented)")
    }
}

Step 5: Handle Payment Authorization

Process the authorized payment through Moyasar:

/// This delegate method is called when the user authorizes the payment using Face ID, Touch ID, or passcode.
/// It is the most critical part of the integration — you must:
///   1. Send the Apple Pay token to Moyasar for payment processing
///   2. Call the completion handler with success or failure status
///   3. Never leave this method without calling the completion handler (causes Apple Pay sheet to hang)
func paymentAuthorizationController(
    _ controller: PKPaymentAuthorizationController,
    didAuthorizePayment payment: PKPayment,
    handler completion: @escaping (PKPaymentAuthorizationResult) -> Void
) {
    Task {
        do {
            // Ensure the service is initialized before proceeding
            guard let applePayService else {
                let error = NSError(
                    domain: "ApplePayError",
                    code: -1,
                    userInfo: [NSLocalizedDescriptionKey: "Apple Pay service not initialized"]
                )
                completion(PKPaymentAuthorizationResult(status: .failure, errors: [error]))
                return
            }

            // Send the Apple Pay token to Moyasar to process and confirm the payment
            // The payment.token contains the encrypted payment data from Apple
            let result = try await applePayService.authorizePayment(
                request: paymentRequest,
                token: payment.token
            )

            switch result.status {
            case .paid:
                // Payment was successfully processed — dismiss Apple Pay with success animation
                if case let .applePay(source) = result.source {
                    // If you enabled Apple Pay tokenization (saveCard = true in PaymentRequest),
                    // you can access the tokenized card reference here.
                    // Contact Moyasar support to enable this feature.
                    print(source.token ?? "")
                }
                completion(PKPaymentAuthorizationResult(status: .success, errors: []))
            case .failed:
                // Payment failed — show error to user
                if case let .applePay(source) = result.source {
                    let error = NSError(
                        domain: "ApplePayError",
                        code: -1,
                        userInfo: [NSLocalizedDescriptionKey: source.message ?? "Payment failed"]
                    )
                    completion(PKPaymentAuthorizationResult(status: .failure, errors: [error]))
                }
            default:
                // Unexpected payment status — log and show error
                let error = NSError(
                    domain: "ApplePayError",
                    code: -1,
                    userInfo: [NSLocalizedDescriptionKey: "Unexpected payment status"]
                )
                completion(PKPaymentAuthorizationResult(status: .failure, errors: [error]))
            }
        } catch {
            // Network or API error — show error to user
            completion(PKPaymentAuthorizationResult(status: .failure, errors: [error]))
        }
    }
}

Note on Tokenization: If you set saveCard = true in your PaymentRequest and have Apple Pay tokenization enabled on your Moyasar account, the source.token field will contain the tokenized card reference. Contact Moyasar support to enable this feature.

Step 6: Dismiss the Apple Pay Sheet

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

Step 7: Use the Handler in Your App

SwiftUI
UIKit

First, create the ApplePayButton wrapper — a SwiftUI wrapper around Apple's PKPaymentButton:

import SwiftUI
import PassKit

struct ApplePayButton: UIViewRepresentable {
    var action: UIAction

    func makeUIView(context: Context) -> PKPaymentButton {
        let button = PKPaymentButton(paymentButtonType: .checkout, paymentButtonStyle: .black)
        button.addAction(action, for: .touchUpInside)
        return button
    }

    func updateUIView(_ uiView: PKPaymentButton, context: Context) {
        // No updates needed for this simple wrapper
    }
}

Then use it in your view:

import SwiftUI
import MoyasarSdk
import PassKit

struct ContentView: View {
    @State private var handler: ApplePayPaymentHandler?

    var body: some View {
        ApplePayButton(action: UIAction { _ in
            presentApplePay()
        })
        .frame(height: 50)
    }

    func presentApplePay() {
        do {
            // createPaymentRequest() is defined in the Basic Integration guide
            handler = try ApplePayPaymentHandler(paymentRequest: createPaymentRequest())
            handler?.present()
        } catch {
            print("Failed to initialize ApplePay: \(error)")
        }
    }
}

import UIKit
import PassKit
import MoyasarSdk

class PaymentViewController: UIViewController {
    var handler: ApplePayPaymentHandler?

    override func viewDidLoad() {
        super.viewDidLoad()
        setupApplePayButton()
    }

    func setupApplePayButton() {
        let applePayButton = PKPaymentButton(
            paymentButtonType: .checkout,
            paymentButtonStyle: .black
        )
        applePayButton.addAction(UIAction { [weak self] _ in
            self?.presentApplePay()
        }, for: .touchUpInside)

        view.addSubview(applePayButton)
        // Add constraints...
    }

    func presentApplePay() {
        do {
            // createPaymentRequest() is defined in the Basic Integration guide
            handler = try ApplePayPaymentHandler(paymentRequest: createPaymentRequest())
            handler?.present()
        } catch {
            print("Failed to initialize ApplePay: \(error)")
        }
    }
}

Important Notes

Always call the completion handler in didAuthorizePayment — failing to do so will cause the Apple Pay sheet to hang
Import PassKit — Required for all Apple Pay functionality
Test on a physical device — Apple Pay does not work in the simulator
Use test API keys — Use pk_test_ keys for sandbox testing
Merchant ID must match — The Merchant ID in your code must match the one configured in Xcode and Apple Developer Account

Troubleshooting

Issue	Solution
Apple Pay button not showing	Ensure Apple Pay capability is enabled in Xcode and Merchant ID is selected
Payment fails with certificate error	Verify the Apple Pay certificate is uploaded and active in Moyasar Dashboard
"Merchant ID not found" error	Check that the Merchant ID in code matches Xcode configuration
Apple Pay not available on device	Ensure device supports Apple Pay and has a card added to Wallet

Next Steps

Testing Apple Pay — Test with real cards in sandbox
STC Pay Integration — Add STC Pay support
Payment Status Reference — Understand payment statuses

Prerequisites​

Step 1: Configure Apple Pay in Apple Developer Account​

1.1 Create a Merchant ID​

1.2 Enable Apple Pay Capability for Your App ID​

1.3 Create Apple Pay Payment Processing Certificate​

1.4 Add Apple Pay Capability in Xcode​

Step 2: Configure Apple Pay in Moyasar Dashboard​

2.1 Download CSR from Moyasar​

2.2 Upload CSR to Apple Developer Account​

2.3 Upload Certificate to Moyasar​

2.4 Verify Configuration​

Step 3: Create the Payment Handler​

Step 4: Present the Apple Pay Sheet​

Step 5: Handle Payment Authorization​

Step 6: Dismiss the Apple Pay Sheet​

Step 7: Use the Handler in Your App​

Important Notes​

Troubleshooting​

Next Steps​