axiom-payments

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🇺🇸

Original

English

🇨🇳

Translation

Chinese

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

现实场景支付（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.

当你处理任何现实场景支付时必须使用本技能——包括实体商品、服务、捐赠、票务、会员卡、非接触式刷卡支付，或售后订单追踪。不适用于应用内购买或数字内容。

When to Use

适用场景

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

遇到以下情况时使用本技能：

在iOS / iPadOS / macOS / Catalyst / visionOS / watchOS应用中添加Apple Pay
在网站中添加Apple Pay（使用Apple Pay JS或W3C Payment Request API）
开发Wallet凭证（登机牌、活动门票、优惠券、会员卡、储值卡）
在iPhone上接受非接触式刷卡支付（Tap to Pay on iPhone / ProximityReader）
在Wallet中展示售后订单追踪信息（Orders in Wallet、FinanceKitUI添加订单工具）
将发卡机构或银行卡添加至Wallet（发卡扩展）
Apple Pay商户ID、处理证书或商户身份证书的设置
Pass Type ID或Order Type ID证书及PKCS #7签名链

Tap to Pay托管权限（

com.apple.developer.proximity-reader.payment.acceptance

）

App Review因支付、IAP、Apple Pay、Wallet或可接受使用准则相关原因驳回应用

Apple Pay网页版的域名验证（

.well-known/apple-developer-merchantid-domain-association.txt

）

使用Apple Pay沙盒卡片或沙盒测试账户进行沙盒测试

When NOT to Use

不适用场景

Issue	Correct Skill	Why NOT axiom-payments
In-app purchase, subscriptions for digital content	axiom-integration	StoreKit 2 / digital goods boundary; see `skills/in-app-purchases.md`
Generic NFC tag reads (Core NFC, non-Wallet)	axiom-integration	Different framework; PassKit NFC is Wallet-specific
Code signing / provisioning fundamentals	axiom-security	Code signing is generic; payment certs are added to that flow
App Store rejection workflow & appeals	axiom-shipping	Rejection workflow lives there; payment-specific rejection patterns route from there into here
HIG cross-cutting design guidance	axiom-design	Apple Pay / Wallet HIG specifics live here, but design overview lives in axiom-design
Consumer banking surface (FinanceKit)	Out of scope	This suite uses FinanceKitUI only for Orders. Account aggregation / transaction queries are not covered.
PKSecureElementPass, transit cards, car keys	Out of scope	Issuer-controlled, not relevant to merchant developers

问题场景	正确技能	为何不使用axiom-payments
应用内购买、数字内容订阅	axiom-integration	属于StoreKit 2/数字商品范畴；详见 `skills/in-app-purchases.md`
通用NFC标签读取（Core NFC，非Wallet相关）	axiom-integration	属于不同框架；PassKit NFC是Wallet专属功能
代码签名/配置基础	axiom-security	代码签名是通用操作；支付证书是在此流程之上的额外配置
App Store驳回流程与申诉	axiom-shipping	驳回流程归属于该技能；支付相关驳回模式会从该技能跳转至本技能
HIG跨领域设计指南	axiom-design	Apple Pay/Wallet的HIG细节在此，但设计概述归属于axiom-design
消费者银行界面（FinanceKit）	超出范围	本套件仅将FinanceKitUI用于订单功能。账户聚合/交易查询不在涵盖范围内
PKSecureElementPass、交通卡、车钥匙	超出范围	由发卡机构控制，与商户开发者无关

Quick Reference

快速参考

Symptom / Task	Reference
Should this be Apple Pay or IAP?	See `skills/apple-pay-vs-iap.md`
Selling physical goods, services, or donations	See `skills/apple-pay-vs-iap.md`
App was rejected for using IAP for physical goods	See `skills/apple-pay-vs-iap.md`
Native Apple Pay (iOS / iPadOS / macOS / Catalyst / visionOS / watchOS)	See `skills/apple-pay.md`
PassKit / PKPaymentRequest API surface	See `skills/apple-pay-ref.md`
Apple Pay on the web (Apple Pay JS or Payment Request API)	See `skills/apple-pay-web.md`
Web ApplePaySession / Payment Request API surface	See `skills/apple-pay-web-ref.md`
Domain verification, merchant identity cert, third-party browser support	See `skills/apple-pay-web.md`
Tap to Pay on iPhone (ProximityReader)	See `skills/tap-to-pay.md`
ProximityReader / PaymentCardReader API surface	See `skills/tap-to-pay-ref.md`
Tap to Pay entitlement stuck in "Submitted"	See `skills/tap-to-pay.md`
Wallet passes (boarding, event ticket, coupon, loyalty, store card)	See `skills/wallet-passes.md`
pass.json schema, semantic tags, barcodes, NFC payloads	See `skills/wallet-passes-ref.md`
Pass signing, manifest hashing, PKCS #7	See `skills/wallet-passes.md`
Pass updates not arriving (web service / APNs)	See `skills/wallet-passes.md`
Orders in Wallet, signed order packages, fulfillment status	See `skills/wallet-orders.md`
Issuer / bank card provisioning extensions	See `skills/wallet-extensions-ref.md`
"No payment sheet appears" / merchant validation 503 / pass won't import	See `skills/payments-diag.md`
Sandbox testing failures, prod-vs-sandbox cert mismatch	See `skills/payments-diag.md`
Apple Pay button vs Apple Pay Mark confusion	See `skills/apple-pay.md`
App Review rejection for Apple Pay / Wallet / Tap to Pay	See `skills/payments-diag.md`

问题/任务	参考文档
应该使用Apple Pay还是IAP？	详见 `skills/apple-pay-vs-iap.md`
销售实体商品、服务或接受捐赠	详见 `skills/apple-pay-vs-iap.md`
应用因使用IAP销售实体商品被驳回	详见 `skills/apple-pay-vs-iap.md`
原生Apple Pay（iOS / iPadOS / macOS / Catalyst / visionOS / watchOS）	详见 `skills/apple-pay.md`
PassKit / PKPaymentRequest API接口	详见 `skills/apple-pay-ref.md`
Apple Pay网页版（Apple Pay JS或Payment Request API）	详见 `skills/apple-pay-web.md`
网页版ApplePaySession / Payment Request API接口	详见 `skills/apple-pay-web-ref.md`
域名验证、商户身份证书、第三方浏览器支持	详见 `skills/apple-pay-web.md`
Tap to Pay on iPhone（ProximityReader）	详见 `skills/tap-to-pay.md`
ProximityReader / PaymentCardReader API接口	详见 `skills/tap-to-pay-ref.md`
Tap to Pay权限一直处于“已提交”状态	详见 `skills/tap-to-pay.md`
Wallet凭证（登机牌、活动门票、优惠券、会员卡、储值卡）	详见 `skills/wallet-passes.md`
pass.json schema、语义标签、条形码、NFC payloads	详见 `skills/wallet-passes-ref.md`
凭证签名、清单哈希、PKCS #7	详见 `skills/wallet-passes.md`
凭证更新未送达（Web服务/APNs）	详见 `skills/wallet-passes.md`
Wallet订单、签名订单包、履约状态	详见 `skills/wallet-orders.md`
发卡机构/银行卡添加扩展	详见 `skills/wallet-extensions-ref.md`
“支付面板未显示”/商户验证503错误/凭证无法导入	详见 `skills/payments-diag.md`
沙盒测试失败、生产与沙盒证书不匹配	详见 `skills/payments-diag.md`
Apple Pay按钮与Apple Pay标识混淆	详见 `skills/apple-pay.md`
App Review因Apple Pay/Wallet/Tap to Pay驳回应用	详见 `skills/payments-diag.md`

Decision Tree

决策树

dot

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:

Is this a digital good or subscription for digital content? → Use
axiom-integration/skills/in-app-purchases.md
instead.
Selling physical goods / services / donations, or unsure? →
```
skills/apple-pay-vs-iap.md
```
Native Apple Pay (iOS / iPadOS / macOS / Catalyst / visionOS / watchOS)? →
```
skills/apple-pay.md
```
+
```
skills/apple-pay-ref.md
```

Apple Pay on the web? →

skills/apple-pay-web.md

skills/apple-pay-web-ref.md

Tap to Pay on iPhone (ProximityReader)? →

skills/tap-to-pay.md

skills/tap-to-pay-ref.md

Wallet passes (ticket / coupon / loyalty / store card)? →
```
skills/wallet-passes.md
```
+
```
skills/wallet-passes-ref.md
```
Orders in Wallet (post-purchase tracking)? →
```
skills/wallet-orders.md
```
Issuer / bank card provisioning? →
```
skills/wallet-extensions-ref.md
```
Something not working (no sheet / merchant validation fails / pass won't import / Tap to Pay never enables)? →
```
skills/payments-diag.md
```

dot

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"];
}

简化路由指引：

是否为数字商品或数字内容订阅？→ 请改用
axiom-integration/skills/in-app-purchases.md
销售实体商品/服务/捐赠，或不确定？→
```
skills/apple-pay-vs-iap.md
```
原生Apple Pay（iOS / iPadOS / macOS / Catalyst / visionOS / watchOS）？→
```
skills/apple-pay.md
```
+
```
skills/apple-pay-ref.md
```

Apple Pay网页版？→

skills/apple-pay-web.md

skills/apple-pay-web-ref.md

Tap to Pay on iPhone（ProximityReader）？→
```
skills/tap-to-pay.md
```
+
```
skills/tap-to-pay-ref.md
```
Wallet凭证（门票/优惠券/会员卡/储值卡）？→
```
skills/wallet-passes.md
```
+
```
skills/wallet-passes-ref.md
```
Wallet订单（售后追踪）？→
```
skills/wallet-orders.md
```
发卡机构/银行卡添加？→
```
skills/wallet-extensions-ref.md
```
功能异常（支付面板未显示/商户验证失败/凭证无法导入/Tap to Pay无法启用）？→
```
skills/payments-diag.md
```

Cross-Suite Routing

跨套件路由指引

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:

Rejection cites Section 3.1 / 3.2 / Apple Pay AUG → stay here (
```
skills/payments-diag.md
```
) for the root cause; also invoke axiom-shipping (
```
skills/app-store-diag.md
```
) for appeal workflow

Payments + cert management:

Merchant Identity Certificate, Pass Type ID Certificate, Order Type ID Certificate, Payment Processing Certificate — operational discipline → stay here
Generic Keychain export /
```
.p12
```
mechanics → also invoke axiom-security (
```
skills/keychain-ref.md
```
)
Tap to Pay managed entitlement → stay here (
```
skills/tap-to-pay.md
```
); generic managed-capability mental model → axiom-security (
```
skills/code-signing.md
```
)

Payments + Xcode capability / provisioning:

Apple Pay capability checkbox in Xcode, merchant ID selection, Tap to Pay entitlement plumbing in the provisioning profile → also invoke axiom-build for capability/profile mechanics; payment-specific guidance stays here

Payments + HIG:

Apple Pay button vs Apple Pay Mark, Wallet pass design specs, Tap to Pay button label → stay here
Cross-cutting design context → also invoke axiom-design (
```
skills/hig.md
```
)

Payments + Catalyst / macOS:

Apple Pay on Mac and Catalyst (window requirement, web security model, static merchant validation URL) → stay here (
```
skills/apple-pay.md
```
Catalyst section)
Generic Catalyst patterns → axiom-macos

Payments + Apple Watch:

WKInterfacePaymentButton, watchOS payment delegate flow → stay here (
```
skills/apple-pay-ref.md
```
watchOS section)
Generic watchOS patterns → axiom-watchos

Apple Pay与IAP的边界（最常见的跨套件问题）：

销售实体商品、服务或接受捐赠 → 继续使用本套件（
```
skills/apple-pay-vs-iap.md
```
）
销售数字内容、应用高级功能、数字内容订阅 → 使用axiom-integration（
```
skills/in-app-purchases.md
```
）
应用因使用错误支付方式被驳回 → 先查看
```
skills/apple-pay-vs-iap.md
```
，再查看
```
skills/payments-diag.md
```

支付+App Review驳回：

驳回理由涉及第3.1/3.2条/Apple Pay可接受使用准则 → 继续使用本套件（
```
skills/payments-diag.md
```
）排查根本原因；同时调用axiom-shipping（
```
skills/app-store-diag.md
```
）处理申诉流程

支付+证书管理：

商户身份证书、Pass Type ID证书、Order Type ID证书、支付处理证书的操作规范 → 继续使用本套件
通用Keychain导出/
```
.p12
```
操作机制 → 同时调用axiom-security（
```
skills/keychain-ref.md
```
）
Tap to Pay托管权限 → 继续使用本套件（
```
skills/tap-to-pay.md
```
）；通用托管能力相关概念请查看axiom-security（
```
skills/code-signing.md
```
）

支付+Xcode功能/配置：

Xcode中的Apple Pay功能勾选框、商户ID选择、配置文件中的Tap to Pay权限设置 → 同时调用axiom-build处理功能/配置机制；支付相关指引继续使用本套件

支付+HIG：

Apple Pay按钮与Apple Pay标识、Wallet凭证设计规范、Tap to Pay按钮标签 → 继续使用本套件
跨领域设计背景 → 同时调用axiom-design（
```
skills/hig.md
```
）

支付+Catalyst/macOS：

Mac与Catalyst上的Apple Pay（窗口要求、网页安全模型、静态商户验证URL） → 继续使用本套件（
```
skills/apple-pay.md
```
的Catalyst章节）
通用Catalyst模式 → 查看axiom-macos

支付+Apple Watch：

WKInterfacePaymentButton、watchOS支付委托流程 → 继续使用本套件（
```
skills/apple-pay-ref.md
```
的watchOS章节）
通用watchOS模式 → 查看axiom-watchos

Anti-Rationalization

常见误区纠正

Thought	Reality
"We sell physical stuff but we'll use IAP — easier integration"	Guaranteed App Review rejection (Section 3.1.1 / 3.1.3(e)). Use Apple Pay for physical goods, services, donations.
"Our app is digital content, we'll use Apple Pay because IAP fees are higher"	Guaranteed App Review rejection. Digital content + subscriptions for digital content must use IAP.
"I'll just embed our PSP's raw card form on the web — it's faster"	Acceptable Use Guidelines violate parity rule. If you accept any other payment method on the web, you must offer Apple Pay at least as prominently.
"Tap to Pay just needs a capability checkbox like other features"	Tap to Pay uses a managed entitlement requested via a separate form. The Xcode capability flow doesn't apply. Two-step request (dev → distribution); rejection or "Submitted" stalls add 1–4 weeks per loop.
"We'll roll our own pass signing — it's just zip + sign"	PKCS #7 detached signature, manifest hashing, WWDR Intermediate cert, S/MIME signing-time, PEM/DER format gotchas — most signing failures originate from rolled-from-scratch implementations. Use a server library.
"The Apple Pay Mark is just a button graphic"	The Mark is "Apple Pay accepted" signage — never tappable. The Button is API-provided and initiates payment. Using the Mark as a button is an HIG violation and a known conversion killer.
"Production cards will work the same as sandbox cards"	Sandbox transactions decline pre-fulfillment by design. Production transactions need production keys + activated certs. Test on real devices with real cards before launch.
"Apple Pay merchant ID expires every year"	Merchant IDs never expire. Payment Processing Certificates expire after 25 months. These are different things.
"I can call merchant validation from the browser"	The browser must never call `paymentSession` . Server-only call using two-way TLS with the merchant identity cert. Calling from the browser leaks the cert.
"FinanceKit will let our app see the user's bank transactions"	Out of scope for this suite. FinanceKit consumer banking surface is not covered. We use FinanceKitUI only for the order-add helpers.

错误想法	实际情况
"我们销售实体商品，但用IAP更易集成"	必然会被App Review驳回（第3.1.1/3.1.3(e)条）。实体商品、服务、捐赠请使用Apple Pay。
"我们的应用是数字内容，用Apple Pay是因为IAP手续费更高"	必然会被App Review驳回。数字内容+数字内容订阅必须使用IAP。
"我直接在网页上嵌入支付服务商的原生卡片表单——这样更快"	违反可接受使用准则的对等规则。如果网页接受其他支付方式，必须至少同等突出地提供Apple Pay选项。
"Tap to Pay和其他功能一样只需勾选功能框"	Tap to Pay需通过单独表单申请托管权限。Xcode功能流程不适用此操作。需分两步申请（开发者→分发）；驳回或“已提交”状态的停滞每次循环会增加1-4周时间。
"我们自己实现凭证签名——只是压缩+签名而已"	PKCS #7分离签名、清单哈希、WWDR中级证书、S/MIME签名时间、PEM/DER格式陷阱——大多数签名失败源于从零开始的自定义实现。请使用服务器库。
"Apple Pay标识只是个按钮图标"	标识是“接受Apple Pay”的标识——绝不可点击。按钮是由API提供的，用于发起支付。将标识用作按钮违反HIG规范，且会严重影响转化率。
"生产环境卡片和沙盒卡片表现一致"	沙盒交易默认在履约前拒绝。生产环境交易需要生产密钥+激活的证书。上线前请用真实设备和真实卡片测试。
"Apple Pay商户ID每年过期"	商户ID永不过期。支付处理证书有效期为25个月。二者是不同的事物。
"我可以从浏览器调用商户验证"	浏览器绝不能调用 `paymentSession` 。必须通过服务器使用双向TLS和商户身份证书调用。从浏览器调用会泄露证书。
"FinanceKit能让我们的应用查看用户的银行交易"	超出本套件范围。FinanceKit消费者银行界面不在涵盖范围内。我们仅将FinanceKitUI用于添加订单的工具。

Out of Scope

不涵盖范围

This suite intentionally does not cover:

In-App Purchase (StoreKit 2) — Use

axiom-integration/skills/in-app-purchases.md

and

axiom-integration/skills/storekit-ref.md

. The boundary rule lives in

skills/apple-pay-vs-iap.md

FinanceKit consumer banking (account aggregation, transaction queries) — not covered. We only use FinanceKitUI for order-add buttons.
PKSecureElementPass, transit cards, car keys — issuer-controlled Wallet surfaces, not merchant-developer territory.
Tap to Present ID (
MobileDocumentReader
) — uses ProximityReader but for identity verification, not payment. Brief cross-ref appears in
```
skills/tap-to-pay-ref.md
```
; identity-verification UX as a whole is axiom-integration territory if it lands anywhere.
Generic NFC reads (Core NFC) — different framework. PassKit NFC is Wallet-specific (loyalty / contactless ticket / boarding).

本套件明确不涵盖以下内容：

应用内购买（StoreKit 2）——请使用

axiom-integration/skills/in-app-purchases.md

和

axiom-integration/skills/storekit-ref.md

。边界规则详见

skills/apple-pay-vs-iap.md

。

FinanceKit消费者银行功能（账户聚合、交易查询）——不涵盖。我们仅将FinanceKitUI用于添加订单按钮。
PKSecureElementPass、交通卡、车钥匙——由发卡机构控制的Wallet界面，不属于商户开发者范畴。
Tap to Present ID（
MobileDocumentReader
）——使用ProximityReader但用于身份验证，而非支付。
```
skills/tap-to-pay-ref.md
```
中有简要交叉引用；身份验证整体UX若有归属则属于axiom-integration范畴。
通用NFC读取（Core NFC）——属于不同框架。PassKit NFC是Wallet专属功能（会员卡/非接触式门票/登机牌）。

Example Invocations

调用示例

User: "Should I use Apple Pay or IAP for my hotel-booking app?" → See

skills/apple-pay-vs-iap.md

User: "How do I set up Apple Pay in my iOS app?" → See

skills/apple-pay.md

User: "What's the structure of PKPaymentRequest?" → See

skills/apple-pay-ref.md

User: "Apple Pay on my website doesn't show the button in Chrome" → See

skills/apple-pay-web.md

User: "Domain verification keeps failing" → See

skills/payments-diag.md

User: "I want to add Tap to Pay on iPhone to my point-of-sale app" → See

skills/tap-to-pay.md

User: "My Tap to Pay entitlement has been Submitted for two weeks" → See

skills/tap-to-pay.md

and

skills/payments-diag.md

User: "How do I build a Wallet pass for my event tickets?" → See

skills/wallet-passes.md

User: "My .pkpass file won't import — Wallet says invalid" → See

skills/payments-diag.md

User: "I want order tracking to appear in Wallet after Apple Pay checkout" → See

skills/wallet-orders.md

User: "App Review rejected my app for using IAP for restaurant delivery" → See

skills/apple-pay-vs-iap.md

then

skills/payments-diag.md

User: "How does Apple Pay differ from In-App Purchase?" → See

skills/apple-pay-vs-iap.md

User: "Implementing card provisioning for our bank's iOS app" → See

skills/wallet-extensions-ref.md

用户："我的酒店预订应用应该用Apple Pay还是IAP？" → 详见

skills/apple-pay-vs-iap.md

用户："如何在我的iOS应用中设置Apple Pay？" → 详见

skills/apple-pay.md

用户："PKPaymentRequest的结构是什么？" → 详见

skills/apple-pay-ref.md

用户："我的网站上的Apple Pay在Chrome中不显示按钮" → 详见

skills/apple-pay-web.md

用户："域名验证一直失败" → 详见

skills/payments-diag.md

用户："我想在我的POS应用中添加Tap to Pay on iPhone" → 详见

skills/tap-to-pay.md

用户："我的Tap to Pay权限已提交两周" → 详见

skills/tap-to-pay.md

和

skills/payments-diag.md

用户："如何为我的活动门票开发Wallet凭证？" → 详见

skills/wallet-passes.md

用户："我的.pkpass文件无法导入——Wallet提示无效" → 详见

skills/payments-diag.md

用户："我想在Apple Pay结账后在Wallet中显示订单追踪" → 详见

skills/wallet-orders.md

用户："App Review因我用IAP处理餐厅配送驳回了我的应用" → 先查看

skills/apple-pay-vs-iap.md

，再查看

skills/payments-diag.md

用户："Apple Pay和应用内购买有什么区别？" → 详见

skills/apple-pay-vs-iap.md

用户："为我们银行的iOS应用实现卡片添加功能" → 详见

skills/wallet-extensions-ref.md

Resources

参考资源

WWDC: 2020-10662, 2021-10092, 2022-10041, 2023-10114, 2024-10108

Tech Talks: 111381 (Apple Pay on the Web), 110336 (Implementing Apple Pay Orders)

MIG: Apple Pay Merchant Integration Guide (2026 edition) — operational spine, cited throughout this suite

Docs: /passkit, /applepayontheweb, /proximityreader, /walletpasses, /design/human-interface-guidelines/apple-pay, /design/human-interface-guidelines/wallet, /apple-pay/acceptable-use-guidelines-for-websites

App Review: Section 3.1 (In-App Purchase), Section 3.1.3(e) (Goods and Services Outside of the App), Section 3.2 (Other Business Model Issues), Section 4.9 (Apple Pay)

Skills: axiom-integration (in-app-purchases, storekit-ref), axiom-shipping (app-store-diag, app-review-guidelines), axiom-security (keychain-ref, code-signing), axiom-design (hig, hig-ref), axiom-macos

WWDC：2020-10662, 2021-10092, 2022-10041, 2023-10114, 2024-10108

Tech Talks：111381（Apple Pay网页版）, 110336（实现Apple Pay订单）

MIG：Apple Pay Merchant Integration Guide（2026版）——操作核心文档，本套件全程引用

官方文档：/passkit, /applepayontheweb, /proximityreader, /walletpasses, /design/human-interface-guidelines/apple-pay, /design/human-interface-guidelines/wallet, /apple-pay/acceptable-use-guidelines-for-websites

App Review规则：第3.1条（应用内购买）、第3.1.3(e)条（应用外商品与服务）、第3.2条（其他商业模式问题）、第4.9条（Apple Pay）

相关技能：axiom-integration（in-app-purchases, storekit-ref）、axiom-shipping（app-store-diag, app-review-guidelines）、axiom-security（keychain-ref, code-signing）、axiom-design（hig, hig-ref）、axiom-macos