How To Accept Pending Apple Pay Payments

Apple Pay has become one of the most popular contactless payment methods, allowing users to quickly and securely pay with their iPhone or Apple Watch. As an online or in-person merchant, you want to accept Apple Pay to provide the best payment experience for your customers.

If you’re short on time, here’s a quick answer to your question: To accept pending Apple Pay payments, you need to enable the Pending Payments feature in your Apple Developer account settings. When customers pay using Apple Pay, their payment will be pending until you capture and process it.

In this comprehensive guide, we’ll cover everything you need to know about accepting and processing pending Apple Pay transactions, from initial setup to capturing pending payments.

Enable Pending Payments

If you are looking to accept pending Apple Pay payments, there are a few simple steps you can follow to enable this feature. By enabling pending payments, you can ensure a smooth and seamless payment experience for your customers. Here’s how you can do it:

1. Sign in to your Apple Developer account

The first step to enable pending payments is to sign in to your Apple Developer account. This account is necessary to access the necessary tools and settings for your app or website. If you don’t have an Apple Developer account, you can easily create one on the Apple Developer website.

2. Navigate to the Capabilities section

Once you are signed in to your Apple Developer account, navigate to the Capabilities section. This section allows you to enable various features and functionalities for your app or website. Look for the section related to payments or Apple Pay.

3. Toggle on the Pending Payments switch

Within the Capabilities section, you will find an option to enable pending payments. Look for the switch labeled “Pending Payments” and toggle it on. This will enable the feature to accept pending Apple Pay payments.

It’s important to note that enabling pending payments may require additional verification or approval from Apple. This is to ensure the security and legitimacy of the payments being processed. Once enabled, you will be able to accept and process pending Apple Pay payments seamlessly.

For more detailed instructions and information on enabling pending Apple Pay payments, you can refer to the official Apple Developer documentation available on their website here.

Present Apple Pay as a Payment Option

Apple Pay has gained tremendous popularity as a convenient and secure method of making payments. By incorporating Apple Pay into your payment options, you can cater to a large customer base that prefers this digital wallet. Here are a few ways you can present Apple Pay as a payment option:

Use Apple Pay buttons or trademarks

A simple yet effective way to promote Apple Pay is by using Apple Pay buttons or trademarks on your website or in-store. These recognizable symbols will catch the attention of customers who are familiar with Apple Pay and encourage them to choose it as their preferred payment method.

By prominently displaying these buttons or trademarks, you create a sense of trust and familiarity, which can increase customer confidence in using Apple Pay.

Allow Apple Pay as a payment method during checkout

During the checkout process, it is essential to provide customers with multiple payment options, including Apple Pay. By allowing customers to select Apple Pay as a payment method, you streamline the payment process and make it more convenient for them.

This can lead to higher conversion rates and customer satisfaction. Implementing Apple Pay as a payment option is relatively straightforward, and there are various integration methods available that can easily be customized to suit your website or app.

According to a study conducted by Statista, 36% of iPhone users have used Apple Pay in the past year. By presenting Apple Pay as a payment option, you tap into this growing user base and provide a seamless payment experience for your customers.

Process a Pending Apple Pay Transaction

When a payment is made, a pending transaction record is created

When a customer makes a payment using Apple Pay, a pending transaction record is created. This record contains important information about the transaction, such as the amount, the customer’s payment details, and the date and time of the transaction.

It is important to note that the transaction is not yet complete at this stage, and the funds have not been transferred to your account. The pending status indicates that the payment is still being processed.

Use the StoreKit API to retrieve pending payment records

The StoreKit API provides developers with the necessary tools to retrieve pending payment records. By using the appropriate methods and functions provided by the API, you can access the pending transactions associated with your Apple Pay account.

This allows you to view the details of the pending transactions and take the necessary actions to process them.

To capture payment, call the StoreKit CompleteTransactions API method

Once you have retrieved the pending payment records, you can capture the payment by calling the StoreKit CompleteTransactions API method. This method marks the pending transaction as complete and initiates the process of transferring the funds to your account.

It is important to ensure that you have implemented the necessary validation and security measures to protect against fraudulent transactions.

Process the payment with your payment gateway

After capturing the payment using the StoreKit API, you need to process the payment with your payment gateway. This involves sending the necessary payment information, such as the customer’s payment details and the transaction amount, to your payment gateway for further processing.

Your payment gateway will then handle the necessary steps to complete the transaction and transfer the funds to your account.

It is important to note that the specific implementation details may vary depending on the payment gateway you are using. Make sure to consult the documentation and resources provided by your payment gateway provider for detailed instructions on how to integrate Apple Pay with your payment gateway.

Handle Errors and Failed Transactions

When accepting Apple Pay payments, it’s important to be prepared for errors and failed transactions. Here are some tips on how to handle these situations:

Retry failed transactions

If a transaction fails initially, don’t panic! There can be various reasons why a payment may not go through, such as network issues or insufficient funds. In such cases, it’s worth giving it another try.

Most payment processors allow you to retry failed transactions, and often, the second attempt is successful. This can save you and your customers from unnecessary hassle.

Cancel pending transactions after timeout

Sometimes, a payment may get stuck in a pending state, and it’s important to have a timeout mechanism in place. If a transaction remains pending for too long without any progress, it’s best to cancel it.

This ensures that your customers aren’t kept waiting indefinitely and allows them to explore alternative payment options. Additionally, canceling pending transactions can help prevent any potential conflicts or confusion with your customers’ accounts.

Notify customers if payment could not be processed

If a payment cannot be processed for any reason, it’s crucial to communicate this to your customers promptly. Nobody likes surprises, especially when it comes to their money. By notifying your customers about the failed payment, you can provide them with an opportunity to rectify the issue or choose an alternative payment method.

This level of transparency and customer service can go a long way in maintaining trust and loyalty.

Remember, handling errors and failed transactions is a normal part of accepting payments, and being proactive in resolving these issues can help ensure a smooth and seamless payment experience for both you and your customers.

Best Practices

Accepting pending Apple Pay payments efficiently is crucial for a seamless customer experience. By following these best practices, you can optimize your checkout flow, train your staff, and monitor key metrics to ensure a smooth process.

Optimize checkout flow for Apple Pay

When it comes to accepting pending Apple Pay payments, optimizing your checkout flow is essential. Make sure your website or app clearly indicates that Apple Pay is an available payment method. This can be done by displaying the Apple Pay logo prominently at the checkout page.

Additionally, ensure that the payment process is streamlined, allowing customers to complete their transactions quickly and easily.

It’s also important to provide clear instructions on how to complete a pending payment with Apple Pay. Consider adding a step-by-step guide or a FAQ section on your website to assist customers who may be unfamiliar with the process.

This will help reduce any potential confusion and increase customer satisfaction.

Train staff on pending payments process

Properly training your staff on handling pending Apple Pay payments is crucial for a smooth customer experience. Your employees should be knowledgeable about the pending payment process and be able to assist customers who encounter any issues or have questions.

Consider conducting regular training sessions to update your staff on the latest procedures and best practices for handling pending payments. This will ensure that they are equipped with the necessary knowledge to provide excellent customer service and resolve any payment-related issues efficiently.

Monitor pending payment metrics

Monitoring key metrics related to pending Apple Pay payments can provide valuable insights into your payment process and help identify any areas for improvement. Keep track of metrics such as the average time it takes to process a pending payment, the number of pending payments per day, and the percentage of successful pending payments.

By regularly analyzing these metrics, you can identify any bottlenecks or inefficiencies in your payment system and take appropriate measures to address them. This will not only improve the overall customer experience but also help maximize your revenue by reducing the number of abandoned pending payments.

Remember, accepting pending Apple Pay payments smoothly is essential for customer satisfaction and can significantly impact your business’s success. By implementing these best practices, you can ensure a seamless payment process and provide an exceptional experience for your customers.


Accepting pending Apple Pay allows you to provide a seamless payment experience for your customers. By following the steps outlined in this guide, you can begin accepting Apple Pay payments that will remain pending until you capture them for processing.

Be sure to monitor pending transactions, retries, and errors to optimize your Apple Pay integration over time. Offering Apple Pay with pending payments will increase convenience for your customers, resulting in higher conversion rates and customer satisfaction.

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