Why does Apple Pay often fail to process payments?

Payments + Shipping & Fulfilment
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Topic summary

A merchant is experiencing inconsistent Apple Pay payment failures when customers use the express checkout option (buy now button on product pages). However, Apple Pay transactions complete successfully when initiated from the shopping cart.

Key Details:

  • Payment provider: Stripe
  • The merchant has already attempted several troubleshooting steps: activating SSL, changing themes, and testing different pages
  • Screenshots demonstrate the issue shows different behavior based on checkout entry point

Potential Clue:
When the user changed their Apple Pay shipping address to a USA address (in their phone’s Apple Pay settings), the payment processed successfully. This suggests the issue may be related to:

  • Delivery/shipping settings configuration
  • International shipping restrictions
  • Address validation requirements

The merchant suspects something may be incorrectly configured in their delivery settings but hasn’t identified the specific cause. The issue remains unresolved and they are seeking guidance on proper configuration.

Summarized with AI on November 20. AI used: claude-sonnet-4-5-20250929.
1

Hello

When choosing Apple pay payment, not everyone, but often the payment does not go through. But if you pay for Apple pay from the basket, then the payment goes through. What is the problem?
Stripe is a payment provider.

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The images showed the problem in detail.

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This message appears if Apple Pay is only from the cart.

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Please note the shipping information. The first image failed. The second image (in the settings of the Apple Pay phone, I changed the address to USA) and the Apple pay payment went through.

SSL active. Changed theme. Tried. Apple Pay doesn’t work on these page. The problem remains.

Perhaps something is not filled in correctly in my delivery settings?

Thank you. I’m waiting for an answer and a solution to the problem.