1. Check prerequisites

Requirements

Meet these requirements before you build and validate contactless payment:

• Device and OS: iOS 17.4 or later on an NFC-capable device.

• Apple Account: An Apple ID registered in the European Economic Area (EEA).

• Entitlement: Apple grants the HCE entitlement.

  • Update your Xcode project settings.

  • Update the entitlements .plist.

  • Update Info.plist to include the entitlement and required metadata.

  • For details, see Configuring and enabling the entitlement in Xcode in Apple HCE entitlement.

• Location (testing):

  • For iOS 17.4 to iOS 18.1, you must be physically located in the EEA to validate contactless payment.

  • For later iOS versions, see Testing Requirement in Apple HCE entitlement.

When you submit the HCE entitlement request to Apple, include the complete list of supported AIDs.

Make sure you include the PPSE AID:

• 2PAY.SYS.DDF01 ("325041592E5359532E4444463031" in hexadecimal format)

Before you initiate contactless payment

Check contactless capability

Before you request permission, confirm the device supports contactless payment. Follow Check contactless capability.

Request permission

Your digital wallet application must request the Contactless & NFC permission. The end user experience is:

iOS prompt for Contactless & NFC permission.

After the prompt, the end user can manage the permission in Settings > your issuer application > Contactless & NFC.

Use the following code to request permission:

let contactlessPaymentSession = ContactlessPaymentSession()
do {
  try await contactlessPaymentSession.requestAuthorization()
} catch ContactlessPaymentSession.Error.permissionNotAccepted(let reason) {
  // Permission not granted.
} catch {
  // other errors due to device eligibility
}

Request the Contactless & NFC permission when the end user provisions their first digital card.

If the end user rejects the permission, the issuer application cannot perform contactless payment.