Issuer Features
Discover the benefits, enablement steps,
and resources to get started.
Payment Sheet Merchandising
Surface card benefits and offers right at checkout
Encourage cardholders to choose your card more often at checkout by dynamically presenting card benefits and offers that might otherwise go unnoticed, directly in the Apple Pay payment sheet. With a single integration, maximize reach and highlight your card’s unique value across millions of merchants worldwide, on the web and in apps.
Issuers remain in control
With Payment Sheet Merchandising, issuers retain full ownership and control of the dynamic content displayed within the payment sheet. Two types of offers can be presented by the issuer to the cardholder:
- Card program offers, including key benefits of the card
- Promotional offers, including promotions and installment options
The offers presented must be accurate, relevant to the transaction or card program, and compliant with all applicable regulations.
Benefit placement in the payment sheet
Issuer offers can be displayed in three placements within the Apple Pay payment sheet to help drive further cardholder engagement.
Payment sheet
Card hub
Issuers can feature card program offers and promotional offers within their card detail box.
If needed, issuers can display terms and conditions on the card hub. Links from this text open in an issuer-hosted web view; such pages must be accessible when requested and compliant with all applicable regulations.
Payment options
Post‑purchase management
Issuers are responsible for honoring all offers presented to cardholders.
For reconciliation purposes, Apple Pay informs the issuer when a completed transaction includes a merchandising offer. Beyond this notification, offer details will not appear in Apple Wallet. Issuers are responsible for communicating all post‑purchase offer status and fulfillment through their own channels.
Get started.
Enable Payment Sheet Merchandising
- Partner with us.
- Implement three sets of APIs:
- Card Capabilities API: Enables the merchandising capability on a cardholder’s device.
- Merchandising API: Enables the merchandising capability on a cardholder’s card.
- Pay In Full API (optional): Sends issuers the IDs of promotional offers shown to a cardholder during a transaction for auditing purposes.
- For questions, contact Apple Pay Partner Support.
Explore the resources
The following resources are made available to issuers during onboarding:
- Issuer Functional Requirements (IFR)
- Merchandising Issuer Functional Requirements
- Merchandising technical documentation (API specifications, integration guide, and testing guidelines)
Frequently asked questions
Payment Sheet Merchandising enables issuers to dynamically display card benefits and offers to cardholders, directly in the Apple Pay payment sheet on iPhone and iPad.
Payment Sheet Merchandising helps drive consumer preference right at checkout across millions of web and in‑app merchants. Within the Apple Pay payment sheet, issuers can surface relevant offers, card perks, and rewards that may be missed by cardholders when they matter most — helping increase discoverability and conversion.
This feature can be enabled as part of a new or existing Apple Pay implementation. As with other Apple Pay features, Apple does not charge implementation fees for its enablement.
No, Payment Sheet Merchandising does not support merchandising within the in‑store flow. The feature will only display benefits and offers in the Apple Pay payment sheet during a web or in‑app purchase.
Issuers that implement Payment Sheet Merchandising can dynamically display two types of offers at the time of purchase, on the web and in apps. These include card program offers (key benefits of the card) and promotional offers (promotions and installment options).
Issuer benefits and offers can be displayed in three areas within the Apple Pay payment sheet to help drive further cardholder engagement:
- Payment sheet
- Payment options
- Card hub
Each merchandising placement within the flow allows for specific offer types and has rules on display and length.
For benefits and card offers to be displayed within the Apple Pay payment sheet, the cardholder’s Apple device must be updated with:
- iOS 26 or later
- iPadOS 26 or later
Join the Apple Pay platform.
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In the US, Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
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Apple Pay is not available in all markets. View Apple Pay countries and regions.
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Features are subject to change. Some features, applications, and services may not be available in all regions or all languages and may require specific hardware and software.