Axiom Payments

Real-World Payments (Apple Pay / Wallet / Tap to Pay)

You MUST use this skill when accepting ANY real-world payment — physical goods, services, donations, ticketing, loyalty cards, contactless card-present, or post-purchase order tracking. NOT for in-app purchase or digital content.

When to Use

Use this skill when you encounter:

• Adding Apple Pay to an iOS / iPadOS / macOS / Catalyst / visionOS / watchOS app
• Adding Apple Pay to a website (Apple Pay JS or W3C Payment Request API)
• Building Wallet passes (boarding passes, event tickets, coupons, loyalty cards, store cards)
• Accepting contactless card payments on iPhone (Tap to Pay on iPhone / ProximityReader)
• Surfacing post-purchase order tracking in Wallet (Orders in Wallet, FinanceKitUI add-order helpers)
• Issuer or bank card provisioning into Wallet (issuer extensions)
• Apple Pay merchant ID, processing certificate, or merchant identity certificate setup
• Pass Type ID or Order Type ID certificates and PKCS #7 signing chains
• Tap to Pay managed entitlement (com.apple.developer.proximity-reader.payment.acceptance)
• App Review rejections that mention payments, IAP, Apple Pay, Wallet, or Acceptable Use Guidelines
• Domain verification for Apple Pay on the web (.well-known/apple-developer-merchantid-domain-association.txt)
• Sandbox testing with Apple Pay sandbox cards or sandbox tester accounts

When NOT to Use

Quick Reference

Decision Tree

digraph payments {
    "Payments question?" [shape=diamond];
    "Apple Pay or IAP?" [shape=diamond];
    "Where is the surface?" [shape=diamond];
    "What kind of pass?" [shape=diamond];
    "Something not working?" [shape=diamond];

    "skills/apple-pay-vs-iap.md" [shape=box];
    "skills/apple-pay.md" [shape=box];
    "skills/apple-pay-web.md" [shape=box];
    "skills/tap-to-pay.md" [shape=box];
    "skills/wallet-passes.md" [shape=box];
    "skills/wallet-orders.md" [shape=box];
    "skills/wallet-extensions-ref.md" [shape=box];
    "skills/payments-diag.md" [shape=box];
    "axiom-integration\n/in-app-purchases.md" [shape=box];

    "Payments question?" -> "Apple Pay or IAP?";
    "Apple Pay or IAP?" -> "skills/apple-pay-vs-iap.md" [label="boundary unclear"];
    "Apple Pay or IAP?" -> "axiom-integration\n/in-app-purchases.md" [label="digital content /\nsubscription for digital"];
    "Apple Pay or IAP?" -> "Where is the surface?" [label="real-world payment"];

    "Where is the surface?" -> "skills/apple-pay.md" [label="native app"];
    "Where is the surface?" -> "skills/apple-pay-web.md" [label="website"];
    "Where is the surface?" -> "skills/tap-to-pay.md" [label="contactless on iPhone"];
    "Where is the surface?" -> "What kind of pass?" [label="pass / order"];
    "Where is the surface?" -> "skills/wallet-extensions-ref.md" [label="card provisioning\n(issuer / bank)"];

    "What kind of pass?" -> "skills/wallet-passes.md" [label="boarding / ticket /\ncoupon / loyalty"];
    "What kind of pass?" -> "skills/wallet-orders.md" [label="post-purchase\norder tracking"];

    "Payments question?" -> "Something not working?";
    "Something not working?" -> "skills/payments-diag.md" [label="yes"];
}

Simplified routing:

1. Is this a digital good or subscription for digital content? → Use `axiom-integration/skills/in-app-purchases.md` instead.
2. Selling physical goods / services / donations, or unsure? → skills/apple-pay-vs-iap.md
3. Native Apple Pay (iOS / iPadOS / macOS / Catalyst / visionOS / watchOS)? → skills/apple-pay.md + skills/apple-pay-ref.md
4. Apple Pay on the web? → skills/apple-pay-web.md + skills/apple-pay-web-ref.md
5. Tap to Pay on iPhone (ProximityReader)? → skills/tap-to-pay.md + skills/tap-to-pay-ref.md
6. Wallet passes (ticket / coupon / loyalty / store card)? → skills/wallet-passes.md + skills/wallet-passes-ref.md
7. Orders in Wallet (post-purchase tracking)? → skills/wallet-orders.md
8. Issuer / bank card provisioning? → skills/wallet-extensions-ref.md
9. Something not working (no sheet / merchant validation fails / pass won't import / Tap to Pay never enables)? → skills/payments-diag.md

Cross-Suite Routing

Apple Pay vs IAP boundary (the most common cross-suite question):

• Selling physical goods, services, or donations → stay here (skills/apple-pay-vs-iap.md)
• Selling digital content, premium app features, subscriptions for digital content → use axiom-integration (skills/in-app-purchases.md)
• App was rejected for using the wrong one → skills/apple-pay-vs-iap.md then skills/payments-diag.md

Payments + App Review rejection: