Apple Developer Account Payment Methods and Options

To set up an Apple Developer account, you'll need to provide a valid payment method. Apple accepts various payment methods, including credit cards and bank accounts.

You can add a credit card to your Apple Developer account, which is the most common payment method. Apple accepts major credit cards like Visa, Mastercard, and American Express.

To add a bank account, you'll need to provide your account information, including your routing number and account number. This payment method is also accepted by Apple.

Apple also accepts PayPal as a payment method, which can be a convenient option for some developers.

To make purchases on the App Store, customers need to add a payment method when creating an Apple Account, which can be used to make purchases. This payment method can be a credit card, and it's recommended to add both the billing and shipping address for best results with Apple.

The Apple Pay payment sheet lets customers confirm their payment, and you must only show the sheet in response to an action from the customer. To tokenize an Apple Pay card, you must create an ApplePayPaymentRequest object with the total, currency code, and country code.

You can also customize the tokenization request further, such as using the contact property to override the billing address collected during payment authorization. Here's a list of the minimum required fields to create an ApplePayPaymentRequest object:

Effortless checkout is a game-changer for any business. It minimizes abandoned purchases by making it easy for customers to complete transactions.

The App Store In-App Purchase system is designed to make this possible. When creating an Apple Account, customers add a payment method that can be used to make purchases. Secure authentication using Face ID, Optic ID, or Touch ID makes it even easier.

Transacting in the App Store or in your app using secure biometric authentication is a seamless experience. The App Store payment sheet displays relevant details that help customers understand the transaction before confirming their purchase.

Here are some key features of effortless checkout:

This approach not only benefits customers but also your business. By making checkout effortless, you can increase conversions and reduce cart abandonment rates.

To use Apple Pay, you need to create an Apple Developer account if you haven't already. This account will also let you use a sandbox testing environment to simulate payments during development.

You'll need to configure Apple Pay, which includes generating certificates to accept payments with Smart Router. This process is similar to the one we provide.

To enable the sandbox, log into App Store Connect and go to the Users and Access section. Click on the plus sign to create a new test user, and fill out the form with an email and password you can remember.

You'll need to log out of your personal iCloud account and log in with the new test credentials on your test device. Then, go to Wallet & Apple Pay in your Settings and click on Add Credit or Debit Card.

To use the Apple Pay test cards, you can enter the following details: card number 4761 1200 1000 0492, expiration date 11/2022, and CVC 533.

Transaction management is a crucial aspect of the Apple Developer Account payment methods. To provide a seamless experience for your users, it's essential to manage transactions effectively.

You can get up-to-date transaction statuses through App Store Server Notifications, which provide near-real-time status updates for refunds, subscription state, Family Sharing access, and more. This information can be used to update your transaction records and create customized user experiences.

To enable App Store Server Notifications, configure your server's HTTPS URL in App Store Connect. You can also use the App Store Server API to get the latest product entitlements and transaction updates.

If someone redownloads your app or switches to a new device, be sure to immediately provide access to the content or functionality from their past In-App Purchases. Use the currentEntitlements property in StoreKit to understand a user's entitlements and provide access accordingly.

You're responsible for paying a commission to Apple on the sale of digital goods and services in the EU, unless you participate in the App Store Small Business Program. The commission rates vary depending on the platform and the type of transaction.

Here are the commission rates for different platforms:

You'll receive a monthly invoice based on the reporting for commissionable transactions for digital goods and services for which commission is owed. Transactions will be aggregated and commissions calculated by Apple by the 15th of the following month.

You'll need to provide payment within 30 days of receiving the invoice. Late payments will accrue interest, and nonpayment may result in the offset of App Store In-App Purchase proceeds owed to you, removal of the app from the App Store, or removal from the Apple Developer Program.

Apple prioritizes secure transactions and fraud detection to protect customers and developers. Over $7 billion in potentially fraudulent transactions were prevented on the App Store from 2020 through 2023.

Apple Pay is a secure payment technology that eliminates a risk factor in the payment transaction process by not sharing credit card numbers with merchants. Purchases are verified through password and biometric security to prevent unauthorized use.

The App Store continually invests significant resources in building more secure payment technologies. Apple focuses relentlessly on preventing stolen cards from being used to make fraudulent purchases.

Apple takes action against fraudulent customer accounts, disabling those associated with abusive activity and blocking new accounts before they can be created.

Customer support features are crucial in building trust with your users, leading to higher retention, improved engagement, and better ratings and reviews.

StoreKit and the App Store Server API help provide more seamless support options, making it easier to resolve in-app purchase issues quickly and efficiently.

Thoughtful support can be the difference between a satisfied customer and a frustrated one, so it's essential to prioritize it in your app development.

By leveraging StoreKit and the App Store Server API, you can offer more robust support options and improve the overall user experience.

To add a credit card to your Apple ID, simply click on Payment Methods in the left side menu and follow the steps to add a credit card on file.

For best results with Apple, make sure to include both the billing and shipping address, and don't forget to add your company name under the shipping address section.

This ensures that your payment processing is smooth and hassle-free, allowing you to focus on developing your app without any issues.

Adding a pay button to your website is a straightforward process. You can start by enabling the processout.js library in your web page, following the setup documentation.

To show the Apple Pay button to your customer, you need to use JavaScript code to check if Apple Pay is available in their browser. You can use code like the following to check for availability.

The Apple Pay button should be hidden by default, and you can use CSS styling to add it to your page. Note that the CSS attributes for Apple Pay are specific to Apple's Safari browser and are not supported in other browsers.

You can use the white variant of the logo for the button, and to use another configuration you can specify merchantApplePayCertificateId in the second argument of the code.

To authorize the payment request, you need to create a POApplePayTokenizationRequest and submit it to the cards service.

The SDK will handle the presentation and dismissal of the Apple Pay payment sheet automatically.

You can customize the tokenization request further by overriding the billing address collected during payment authorization using the contact property.

You can also pass a metadata argument that will be assigned to the card object after tokenization.

Here's an example of how to create and submit a tokenization request: This will tokenize the payment request and return a card object that you can use for further processing.

To check if a customer's device supports Apple Pay, you can use PKPaymentAuthorizationController or PKPaymentAuthorizationViewController. This ensures that you don't display the Apple Pay button if the customer's device is not compatible.

Before adopting new payment options, you need to agree to the Alternative Terms Addendum for Apps in the EU if you're distributing your app in the European Union.

Here are the three primary elements of the Alternative Terms Addendum:

To get started with new payment options, you'll need to agree to the Alternative Terms Addendum for Apps in the EU if you distribute your app in the European Union.

The agreement includes new business terms with three primary elements: reduced commission, payment processing fee, and Core Technology Fee (CTF).

Reduced commission is 10% for the vast majority of developers and for subscriptions after their first year, or 17% on transactions for digital goods and services.

You can use App Store payment processing for an additional 3% fee, or link users to your external webpage to process payments with no additional fee from Apple.

You'll pay €0.50 for each first annual install over 1 million first annual installs, known as the Core Technology Fee (CTF).

To understand the potential impact of these new terms, view Apple's Fee Calculator.

If you want to use an alternative payment system, you can do so within your app or link users to your external webpage to process payments with no additional fee from Apple.

Enabling in Xcode is a straightforward process. You can enable Apple Pay in Xcode by following these steps: Open your project settings in Xcode, navigate to the Signing & Capabilities tab, and click the + Capability button to add the Apple Pay capability.

You may be asked to log in to your Apple Developer account at this stage. Once logged in, select the Merchant ID you previously created. This completes the setup, and your app will be ready to accept payments via Apple Pay.

To configure and enable entitlements in Xcode, you'll need to update your Xcode project, entitlements plist file, and Info.plist file to list the entitlement and metadata. The Entitlement Profile is compatible with and may only be used in apps on EU storefronts on devices running iOS 17.4, iPadOS 17.4, macOS 14.4, tvOS 17.4, visionOS 1.2, and watchOS 10.4.

You'll need to enable the entitlement in the Xcode Capability library or on the developer website, and provide the following values for the entitlements: SKExternalPurchase for payment service providers, and SKExternalPurchaseLink for linking out. The required metadata for payment service providers is SKExternalPurchase, and for linking out, it's SKExternalPurchaseLink.