Test and go live

Test your integration in test mode on a real iPhone. Then use the checklist to go live.

Test mode

• A test mode API key gives a test token. Payments with a test token are test payments. They show only in test mode in the MONEI Dashboard.
• In test mode, you tap a real card on the iPhone. MONEI replaces it with a Mastercard test card before the charge. Your card is never charged. See Test Tap to Pay.
• A live API key gives a live token.
• Do not use test and live tokens on the same device.

Tap to Pay on iPhone does not run in the iOS Simulator. Test on a supported iPhone: an iPhone XS or newer with iOS 18.5 or later. For the test and live API keys, see Testing.

Test these cases before you go live:

• An approved payment and a declined payment, each with its signed webhook. In test mode, an amount ending in 65 cents (for example 10.65) is declined.
• A payment that the user cancels on Apple's screen.
• An expired token: renew it and call prepare again.
• Location access denied, and location access allowed again in Settings.
• Your pending state for outcomeUnknown, and how your team finds the payment by orderId.

Example app

The package repository has an example app: Example/TapToPayExample.xcodeproj. It is a SwiftUI app with a token field, an amount, an order ID, a pay button, education and a result view.

1. Open Example/TapToPayExample.xcodeproj in Xcode.
2. Set your team and bundle ID. Your team must have the Tap to Pay on iPhone entitlement.
3. Run the app on a supported iPhone.
4. Paste a token from your server, or from a curl call with your test mode API key. See Request a token.

Versions and compatibility

The SDK uses semantic versioning (MAJOR.MINOR.PATCH):

• Patch: bug fixes. No change to the public API or to error semantics.
• Minor: an update inside the SDK, or new API that does not break your code.
• Major: a change in error semantics, or a change that breaks your code.
• 0.x versions: until 1.0.0, a minor version (for example 0.2.0) can change the public API. Read the release notes before you update.
• Prereleases (-beta.N) are for testing only. Do not ship them to production.

SDK version	iOS minimum	Built with	Notes
0.2.0	18.5	Xcode 26.6 (Swift 6.3.3)	PaymentResult has new fields: amount, currency, statusCode, statusMessage, authorizationCode, cardType and cardCountry. A declined result shows the reason without a call to MONEI. No change to existing fields.
0.1.1	18.5	Xcode 26.6 (Swift 6.3.3)	Installs without a GitHub token: public download URLs. Same SDK code as 0.1.0.
0.1.0	18.5	Xcode 26.6 (Swift 6.3.3)	First release. Signed binary. Same code as 0.1.0-beta.5.
0.1.0-beta.5	18.5	Xcode 26.6 (Swift 6.3.3)	Prerelease. Signed binary.
0.1.0-beta.4	18.5	Xcode 26.6 (Swift 6.3.3)	Prerelease. Signed binary.
0.1.0-beta.3	18.5	Xcode 27.0 (Swift 6.4)	Prerelease. Not signed.

Use the same Xcode version as "Built with", or a newer one. From 0.1.0-beta.4, MONEI signs the MoneiTapToPay binary (team 72J3PXJJ4K).

For 0.x versions, use an exact version in Swift Package Manager. From 1.0.0, use from:. See Add the package.

Go-live checklist

• Apple gave your team the publishing Tap to Pay on iPhone entitlement.
• Your app uses a release version of the SDK, for example 0.2.0, and not a prerelease (-beta.N).
• Your server uses your live API key, and the app gets live tokens only.
• Your server renews each token before it expires, and the app calls prepare with the new token.
• Each payment has a new orderId and a callbackUrl.
• Your server verifies the signature of each webhook, and fulfils orders from the webhook only.
• Your app shows a pending state for outcomeUnknown and never retries the payment.
• Your UI uses the name "Tap to Pay on iPhone", and hides it when TapToPay.isSupported is false.
• You declared the App Store privacy details.

Common questions

Can I test in the iOS Simulator?

No. Tap to Pay on iPhone does not run in the iOS Simulator. Test on a supported iPhone.

Can I test with a real card?

Yes. In test mode, tap any real card. MONEI replaces it with a test card, and the card is never charged. A card that asks for a PIN is approved. Test mode does not use the PIN.

Can I ship a prerelease to the App Store?

No. Prereleases (-beta.N) are for testing only. Ship a release version, for example 0.2.0.

Which Xcode version do I need?

The Xcode version in the "Built with" column for your SDK version, or a newer one. For 0.2.0, use Xcode 26.6 or newer.