Create a certificate for your Apple Pay Merchant Identity

  1. Log in to your Apple Developer account at
  2. Click Certificates, Identifiers & Profiles.
    The page loads and presents a menu.
  3. Click Merchant IDs.
  4. Select your merchant identifier and click Edit.
  5. In the section Apple Pay Merchant Identity, click Create Certificate.
  6. Follow the Apple instructions. You can ignore the "To create a CSR file without a payment provider" step.
  7. Download the certificate and add this to your keychain.
  8. Export the certificate from your keychain as a p12 file.
  9. Convert the p12 file to a PEM file using the following command:

    openssl pkcs12 -in your-file.p12 -out apple-pay-cert.pem -nodes -clcerts
  10. Upload the apple-pay-cert.pem file to your server.

The full path to your PEM file should now be provided to Apple. For example, if you are using a third-party ecommerce platform, add the full path to the PEM file in the backend, and provide this to Apple.