Why do all in-app Apple Pay payments decline with GENERIC_DECLINE when the same cards succeed via keyed entry on the same seller?"

Questions
1

We launched an iOS app today using the In-App Payments SDK (production). Every Apple Pay payment fails with GENERIC_DECLINE / PAYMENT_METHOD_ERROR at authorization, while keyed card entry through the same app, seller, and application works.

Evidence gathered so far:

  • The wallet tokens decrypt correctly — failed payments show full card details and payment_account_reference, and risk_evaluation is NORMAL.
  • Same-day control: the same physical card (matching PAR) succeeded keyed and declined via Apple Pay 30 minutes apart. A second card from a different issuer declines identically, so it isn’t one bank.
  • PKPaymentRequest uses countryCode US / currencyCode USD, matching the seller’s US/USD account. The identical flow works in sandbox.
  • The seller already takes card-not-present payments daily via Square Online, but we found no wallet CNP payment has ever succeeded on this seller — these may be its first.
  • The Apple Pay payment processing certificate (production, merchant.ai.cratehq.corridorflow) was created 2026-07-08T04:37Z, a few hours before the first attempt.

Seller 7ADYFN4XM0MPG, location MBHQ85NZJT2RP, application sq0idp-W_--… (full ID on request). Failed payment IDs start 1wlBY1, n9Nsuj, ZWDjW6; successful keyed control starts d8fyH0 (full IDs on request).

Questions: (1) Can someone share the raw processor/issuer response behind these GENERIC_DECLINEs? (2) Is there a seller- or application-level flag that blocks digital-wallet CNP until enabled? (3) Does a newly-created Apple Pay certificate need propagation time before production authorizations succeed?

2

@josh-square @Bryan-Square any chance you can help with this? this is blocking usage of apple pay for this cafe on the app.

the identical card (matching PAR) completed an Apple Pay payment via this seller’s own Square Online checkout (r9Gp4Qz…), proving the seller account, card, issuer, and network are all fine on the wallet-CNP rail. Failures: 1wlBY1…, n9Nsuj…, ZWDjW6… across two issuers. The Apple Pay certificate (merchant.ai.cratehq.corridorflow, production) was created 2026-07-08T04:37Z. The failure is isolated to this application’s in-app wallet processing path.

Would appreciate any help with this, thanks!

3

the failed payments show authorized_at and voided_at at the identical timestamp, matching the Square-side auto-void signature in threads t/11875, t/9916, and t/9061, could you please check whether an application- or seller-level risk/provisioning flag is voiding wallet transactions.