Request the Issuer Functional Requirements

The Issuer Functional Requirements (IFR) outlines Apple Pay requirements and best practices for card issuers and reflects our commitment to provide an easy, private, and secure digital payments experience. Adherence is required. Issuers already on the Apple Pay platform can submit this form to request a copy of the IFR. Issuers seeking to enable Apple Pay can partner with us.


The IFR includes information on the following:

  • Authentication (ID&V)
  • Card issuer loyalty systems
  • Card issuer mobile app
  • Card lifecycle management
  • Card metadata
  • Fraud prevention
  • Notifications and communications
  • Provisioning
  • Provisioning notifications
  • Push notifications
  • Tokenization services
  • Transaction processing
  • User experience (UX)