Apple Pay

Apple Pay enables secure, frictionless payments in apps and on the web using the payment cards stored in users' Apple Wallet. It supports Touch ID, Face ID, and Apple Watch authentication for both in-person and online payments. Apple Pay is available on iOS, watchOS, macOS, and via Safari on the web through the Apple Pay JS API, with a PassKit native framework for iOS/watchOS app integration.

Apple Pay publishes 5 API contracts indexed on the APIs.io network, including Merchant Registration API, Merchant Validation API, Payment Processing API, and 2 more. Tagged areas include Apple, Contactless Payments, Digital Wallet, E-Commerce, and Mobile Payments.

The Apple Pay catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Apple Pay’s developer surface includes authentication, developer portal, support, getting-started guide, and 14 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

43.6/100 developing ▬ flat Agent 31/100 agent ready saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumApproval

2 published contracts 8 Features 5 Use Cases

Apple Contactless Payments Digital Wallet E-Commerce Mobile Payments Payments

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 43.6/100 · developing

Contract Quality 11.6 / 19

Developer Ergonomics 9.5 / 15

Access Clarity 0.8 / 15

Operational Transparency 3.3 / 10

Contract Governance 2.5 / 9

Discoverability 5.5 / 8

Regulatory Posture 3.1 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 31/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 5.3 — up to +18.9 composite points
Contract Quality scores 61.6 — up to +9.6 composite points
Contract Governance scores 27.3 — up to +8.7 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/apple-pay/apis.yml: open an issue on github.com/api-evangelist/apple-pay to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
EMV Card Terminals (card acceptance hardware and kernels)	regulated	57.9	-	-
Apple Accessory & Device Ecosystem (MFi, Matter, Apple partners)	regulated	57.9	-	-
Mobile SDK Publishers (Play SDK Index, CocoaPods, ADA certification)	regulated	57.9	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

Mutual TLS

measured — observed by APIs.io (declared)

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

PassKit Framework (Apple Pay)

Native iOS, watchOS, and macOS framework for integrating Apple Pay into mobile and desktop applications. Provides PKPaymentRequest and PKPaymentAuthorizationViewController for i...

OPEN COLLECTION

Apple Pay API pricing

Not yet checked against Apple Pay's own pricing page. Compiled by API Evangelist on 2026-05-05 from developer.apple.com/apple-pay/; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Apple Pay Merchant Integration freemium	Free
Apple Developer Program (prerequisite) subscription	—

Plan details, limits and sources →

Rate limits

Merchant validation endpoint: not publicly documented varies
ApplePaySession (client): bounded by user interaction varies
PassKit: bounded by device varies

Compiled by API Evangelist, not yet checked against Apple Pay's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Apple Pay Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Apple Pay Rate Limits

3 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Apple Pay

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Apple Pay Finops

FINOPS

Features 8

Notable capabilities this provider offers.

Touch ID and Face ID Authentication

Users authorize payments using biometric authentication on Apple devices

In-App Payments

Native iOS and watchOS integration via PassKit framework

Web Payments

Safari-based Apple Pay checkout via the ApplePaySession JavaScript API

Apple Watch Support

Contactless payments from Apple Watch without needing iPhone

Multiple Card Networks

Supports Visa, Mastercard, Amex, Discover, JCB, UnionPay, and more

Merchant Domain Verification

Domain verification ensures only registered merchants can use Apple Pay

Recurring Payments

Subscription and automatic payment support via automatic payment requests

Deferred Payments

Support for deferred billing like hotel deposits and pre-orders

Scroll for all 8

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Apple Pay Context

0 classes · 10 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Apple Pay — jsonschema rules

6 rules · 4 warnings 2 info

SPECTRAL

Apple Pay API Rules

29 rules · 10 errors 16 warnings 3 info

SPECTRAL

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

Apple Pay Payment Request

16 properties

JSON SCHEMA

Apple Pay Payment Token

3 properties

JSON SCHEMA

JSON Structure 2

JSON Structure definitions describing this provider's data shapes.

Apple Pay Payment Request Structure

16 properties

JSON STRUCTURE

Apple Pay Payment Token Structure

3 properties

JSON STRUCTURE

Examples 2

Example request and response payloads for these APIs.

Apple Pay Payment Request Example

6 fields

EXAMPLE

Apple Pay Payment Token Example

4 fields

EXAMPLE

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Apple Pay Authentication

mutualTLS · 1 scheme

SECURITY

Apple Pay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Apple Pay Vulnerability Disclosure

security.txt · contact published

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Apple Pay Agentic Access

6 operations · 4 acting

AGENTIC

Use Cases 5

What developers build with this provider.

E-Commerce Checkout

One-tap checkout on web and mobile using saved payment cards

In-App Purchases

Native iOS app purchases with Face ID or Touch ID authentication

Subscription Billing

Setting up recurring subscription payments authorized by the user

Contactless In-Store Payments

Tap-to-pay at point-of-sale terminals using iPhone or Apple Watch

Transit Payments

Paying for transit and transportation with Express Mode

Integrations 6

Pre-built integrations with other platforms and tools.

Stripe

Stripe Elements and Stripe.js support Apple Pay via the Payment Request Button

Braintree

PayPal's Braintree SDK provides Apple Pay integration for iOS and web

Square

Square's iOS SDK supports Apple Pay for in-app and contactless payments

Adyen

Adyen payment platform supports Apple Pay for web and mobile checkout

Shopify

Shopify natively supports Apple Pay for accelerated checkout

WooCommerce

WooCommerce Stripe plugin enables Apple Pay on WordPress stores

Resources

Get Started 2

Portal, sign-up, and the first successful call

Portal

Portal

GettingStarted

GettingStarted

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

JSONLD

JSONLD

SpectralRules

SpectralRules

Vocabulary

Vocabulary

Build 1

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

Access & Security 3

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

Support

Support

StatusPage

StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

TermsOfService

TermsOfService

Company 1

The organization behind the API

Website

Website

Other 1

Properties that don't map to a standard resource type

Branding

Branding

Source (apis.yml)

name: Apple Pay
description: Apple Pay enables secure, frictionless payments in apps and on the web using the payment cards stored in users'
  Apple Wallet. It supports Touch ID, Face ID, and Apple Watch authentication for both in-person and online payments. Apple
  Pay is available on iOS, watchOS, macOS, and via Safari on the web through the Apple Pay JS API, with a PassKit native framework
  for iOS/watchOS app integration.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Freemium · Requires approval
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://developer.apple.com/assets/elements/icons/apple-pay/apple-pay-96x96.png
created: '2024-01-01'
modified: '2026-05-19'
url: https://developer.apple.com/apple-pay/
specificationVersion: '0.23'
tags:
- Apple
- Contactless Payments
- Digital Wallet
- E-Commerce
- Mobile Payments
- Payments
apis:
- name: PassKit Framework (Apple Pay)
  description: Native iOS, watchOS, and macOS framework for integrating Apple Pay into mobile and desktop applications. Provides
    PKPaymentRequest and PKPaymentAuthorizationViewController for in-app Apple Pay checkout.
  image: https://developer.apple.com/assets/elements/icons/apple-pay/apple-pay-96x96.png
  humanURL: https://developer.apple.com/documentation/passkit
  baseURL: Native Framework
  tags:
  - iOS
  - Mobile
  - Native
  - Swift
  properties:
  - type: Documentation
    url: https://developer.apple.com/documentation/passkit/apple_pay
  - type: APIReference
    url: https://developer.apple.com/documentation/passkit/pkpaymentrequest
  - type: CodeExamples
    url: https://developer.apple.com/documentation/passkit/apple_pay/offering_apple_pay
    title: Sample Code
  - type: YouTube
    url: https://developer.apple.com/videos/frameworks/wallet-and-apple-pay
- aid: apple-pay:apple-pay-merchant-registration-api
  name: Apple Pay Merchant Registration API
  description: Register and manage merchant domains for Apple Pay on the Web
  humanURL: https://developer.apple.com/documentation/apple_pay_on_the_web
  baseURL: https://apple-pay-gateway.apple.com
  tags:
  - Merchant  Registration
  tags_raw:
  - Merchant Registration
  properties:
  - type: OpenAPI
    url: openapi/apple-pay-merchant-registration-api-openapi.yml
  - type: Documentation
    url: https://developer.apple.com/documentation/apple_pay_on_the_web
  - type: GettingStarted
    url: https://developer.apple.com/apple-pay/implementation/
  - type: APIReference
    url: https://developer.apple.com/documentation/apple_pay_on_the_web/applepaypaymentrequest
  - type: Sandbox
    url: https://developer.apple.com/apple-pay/sandbox-testing/
  - type: JSONSchema
    url: json-schema/apple-pay-payment-request-schema.json
  - type: Documentation
    url: https://developer.apple.com/documentation/passkit/apple_pay/payment_token_format_reference
  - type: JSONSchema
    url: json-schema/apple-pay-payment-token-schema.json
- aid: apple-pay:apple-pay-merchant-validation-api
  name: Apple Pay Merchant Validation API
  description: Validate merchant identity and obtain payment sessions
  humanURL: https://developer.apple.com/documentation/apple_pay_on_the_web
  baseURL: https://apple-pay-gateway.apple.com
  tags:
  - Merchant Validation
  properties:
  - type: OpenAPI
    url: openapi/apple-pay-merchant-validation-api-openapi.yml
  - type: Documentation
    url: https://developer.apple.com/documentation/apple_pay_on_the_web
  - type: GettingStarted
    url: https://developer.apple.com/apple-pay/implementation/
  - type: APIReference
    url: https://developer.apple.com/documentation/apple_pay_on_the_web/applepaypaymentrequest
  - type: Sandbox
    url: https://developer.apple.com/apple-pay/sandbox-testing/
  - type: JSONSchema
    url: json-schema/apple-pay-payment-request-schema.json
  - type: Documentation
    url: https://developer.apple.com/documentation/passkit/apple_pay/payment_token_format_reference
  - type: JSONSchema
    url: json-schema/apple-pay-payment-token-schema.json
- aid: apple-pay:apple-pay-payment-processing-api
  name: Apple Pay Payment Processing API
  description: Endpoints for receiving and processing Apple Pay payment tokens
  humanURL: https://developer.apple.com/documentation/apple_pay_on_the_web
  baseURL: https://apple-pay-gateway.apple.com
  tags:
  - Payment Processing
  properties:
  - type: OpenAPI
    url: openapi/apple-pay-payment-processing-api-openapi.yml
  - type: Documentation
    url: https://developer.apple.com/documentation/apple_pay_on_the_web
  - type: GettingStarted
    url: https://developer.apple.com/apple-pay/implementation/
  - type: APIReference
    url: https://developer.apple.com/documentation/apple_pay_on_the_web/applepaypaymentrequest
  - type: Sandbox
    url: https://developer.apple.com/apple-pay/sandbox-testing/
  - type: JSONSchema
    url: json-schema/apple-pay-payment-request-schema.json
  - type: Documentation
    url: https://developer.apple.com/documentation/passkit/apple_pay/payment_token_format_reference
  - type: JSONSchema
    url: json-schema/apple-pay-payment-token-schema.json
- aid: apple-pay:apple-pay-payment-status-api
  name: Apple Pay Payment Status API
  description: Endpoints for checking payment transaction status
  humanURL: https://developer.apple.com/documentation/apple_pay_on_the_web
  baseURL: https://apple-pay-gateway.apple.com
  tags:
  - Payment Status
  properties:
  - type: OpenAPI
    url: openapi/apple-pay-payment-status-api-openapi.yml
  - type: Documentation
    url: https://developer.apple.com/documentation/apple_pay_on_the_web
  - type: GettingStarted
    url: https://developer.apple.com/apple-pay/implementation/
  - type: APIReference
    url: https://developer.apple.com/documentation/apple_pay_on_the_web/applepaypaymentrequest
  - type: Sandbox
    url: https://developer.apple.com/apple-pay/sandbox-testing/
  - type: JSONSchema
    url: json-schema/apple-pay-payment-request-schema.json
  - type: Documentation
    url: https://developer.apple.com/documentation/passkit/apple_pay/payment_token_format_reference
  - type: JSONSchema
    url: json-schema/apple-pay-payment-token-schema.json
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: Plans
  url: plans/apple-pay-plans-pricing.yml
- type: RateLimits
  url: rate-limits/apple-pay-rate-limits.yml
- type: FinOps
  url: finops/apple-pay-finops.yml
- type: Website
  url: https://www.apple.com/
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/apple-pay/overview
- type: AgenticAccess
  url: agentic-access/apple-pay-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/apple-pay-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/apple-pay-domain-security.yml
- type: Authentication
  url: authentication/apple-pay-authentication.yml
- type: Portal
  url: https://developer.apple.com/account/
- type: Support
  url: https://developer.apple.com/support/apple-pay/
- type: TermsOfService
  url: https://developer.apple.com/apple-pay/acceptable-use-guidelines/
- type: GettingStarted
  url: https://developer.apple.com/apple-pay/get-started/
- type: Branding
  url: https://developer.apple.com/apple-pay/marketing/
- type: StatusPage
  url: https://developer.apple.com/system-status/
- type: JSONLD
  url: json-ld/apple-pay-context.jsonld
- type: SpectralRules
  url: rules/apple-pay-spectral-rules.yml
- type: Vocabulary
  url: vocabulary/apple-pay-vocabulary.yaml
- type: Features
  data:
  - name: Touch ID and Face ID Authentication
    description: Users authorize payments using biometric authentication on Apple devices
  - name: In-App Payments
    description: Native iOS and watchOS integration via PassKit framework
  - name: Web Payments
    description: Safari-based Apple Pay checkout via the ApplePaySession JavaScript API
  - name: Apple Watch Support
    description: Contactless payments from Apple Watch without needing iPhone
  - name: Multiple Card Networks
    description: Supports Visa, Mastercard, Amex, Discover, JCB, UnionPay, and more
  - name: Merchant Domain Verification
    description: Domain verification ensures only registered merchants can use Apple Pay
  - name: Recurring Payments
    description: Subscription and automatic payment support via automatic payment requests
  - name: Deferred Payments
    description: Support for deferred billing like hotel deposits and pre-orders
- type: UseCases
  data:
  - name: E-Commerce Checkout
    description: One-tap checkout on web and mobile using saved payment cards
  - name: In-App Purchases
    description: Native iOS app purchases with Face ID or Touch ID authentication
  - name: Subscription Billing
    description: Setting up recurring subscription payments authorized by the user
  - name: Contactless In-Store Payments
    description: Tap-to-pay at point-of-sale terminals using iPhone or Apple Watch
  - name: Transit Payments
    description: Paying for transit and transportation with Express Mode
- type: Integrations
  data:
  - name: Stripe
    description: Stripe Elements and Stripe.js support Apple Pay via the Payment Request Button
  - name: Braintree
    description: PayPal's Braintree SDK provides Apple Pay integration for iOS and web
  - name: Square
    description: Square's iOS SDK supports Apple Pay for in-app and contactless payments
  - name: Adyen
    description: Adyen payment platform supports Apple Pay for web and mobile checkout
  - name: Shopify
    description: Shopify natively supports Apple Pay for accelerated checkout
  - name: WooCommerce
    description: WooCommerce Stripe plugin enables Apple Pay on WordPress stores

Apple Pay API — frequently asked questions

Does Apple Pay have an API?

Yes. APIs.io lists 5 APIs from Apple Pay, including PassKit Framework (Apple Pay), Apple Pay Merchant Registration API and Apple Pay Merchant Validation API, and 2 more.

Is there an OpenAPI specification for the Apple Pay API?

Yes. APIs.io indexes 4 OpenAPI specifications for Apple Pay, each linked for download from this page.

How do I authenticate with the Apple Pay API?

Apple Pay documents its authentication (mutualTLS · 1 scheme). The details are profiled on APIs.io as Apple Pay Authentication.

How much does the Apple Pay API cost?

APIs.io lists 2 pricing plans for Apple Pay, with each plan's price, limits and inclusions under Pricing on this page.

Is the Apple Pay API ready for AI agents?

Apple Pay has a Kin Score of 43.6 out of 100 (developing) and an Agent Readiness score of 31.1 (agent-ready), scored by API Evangelist on 2026-11-06.

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