I have followed all the steps in here https://help.apple.com/developer-account/#/dev1731126fb
Only step that I am not sure is merchant identity certificate creation. I didn't use the keychain and I used IIS to create a CSR and installed the certificate in the windows server.
However according to my logs, execution doesn't even going to verify the merchant.
When I click the ApplePay button it brings the card details as follows, but the bottom button stays "Processing" as follows. May I know what could be the reason?
Thanks.