peter-paystack · Nov 3, 2026 · Nov 3, 2026
diff --git a/CHANGELOG b/CHANGELOG
@@ -1,3 +1,19 @@
+=== 3.1.0 2026-10-21
+
+* This SDK is deprecated in favour of https://github.com/PaystackHQ/paystack-sdk-ios. All deprecation messages, including PSTCKCard.fingerprint and the PSTCKCard setters, now point to the new SDK. They remain warnings, not errors
+* CocoaPods trunk stops accepting new podspecs on 2 December 2026 (https://blog.cocoapods.org/CocoaPods-Specs-Repo/). Existing versions stay installable, but no new versions of this pod can be published after that date; move to the new SDK for future updates
+* Requires iOS 15.0+ and Xcode 26 or later. Apps built with the current iOS SDK must adopt the UIScene life cycle (the Example app shows how)
+* Example app no longer needs a backend: set paystackPublicKey and accessCode in ViewController.swift
+* Raise minimum iOS deployment target to 15.0 (SDK, tests, Example and podspec); required to build with current Xcode
+* Stop treating compiler warnings as errors in the iOS SDK and test targets so the deprecated Security padding APIs in PSTCKRSA compile
+* Requery now uses charge/requery/{access_code}. The access code from PSTCKTransactionParams.access_code is stored for the whole charge
+* Charges started without an access code temporarily fall back to charge/requery/{trans}; this will be removed in a future release, so initialize transactions on your server (transaction/initialize) and pass access_code
+* Requery polls every 5s while the status is pending, up to 12 times (60s), then ends with an error; success, failed and error statuses end the charge immediately
+* Authorization: Bearer <public key> and Paystack-Version (the SDK version, e.g. 3.1.0) are now set on every request, including the address verification states lookup; changing publicKey after init now takes effect on the next request
+* A second chargeCard call while a charge is in progress no longer overwrites the running charge's callbacks; optional callbacks are reset per charge
+* Fix crashes when requerying without a transaction id and when a response body is not valid UTF-8
+* fetchStates now URL-encodes the country and always calls its completion
+
 === 3.0.13 2019-11-4
 
 * Updates deprecated class UIWebView to WKWebView

diff --git a/Example/Paystack iOS Example.xcodeproj/project.pbxproj b/Example/Paystack iOS Example.xcodeproj/project.pbxproj
@@ -402,9 +402,9 @@
 				);
 				GCC_TREAT_WARNINGS_AS_ERRORS = YES;
 				INFOPLIST_FILE = "$(SRCROOT)/Paystack iOS Example/Info.plist";
-				IPHONEOS_DEPLOYMENT_TARGET = 11.0;
+				IPHONEOS_DEPLOYMENT_TARGET = 15.0;
 				LD_RUNPATH_SEARCH_PATHS = "$(inherited) @executable_path/Frameworks";
-				MARKETING_VERSION = 3.0.13;
+				MARKETING_VERSION = 3.1.0;
 				PRODUCT_BUNDLE_IDENTIFIER = "com.paystack.$(PRODUCT_NAME:rfc1034identifier)";
 				PRODUCT_NAME = "Paystack iOS Example";
 				PROVISIONING_PROFILE = "";
@@ -431,9 +431,9 @@
 				);
 				GCC_TREAT_WARNINGS_AS_ERRORS = YES;
 				INFOPLIST_FILE = "$(SRCROOT)/Paystack iOS Example/Info.plist";
-				IPHONEOS_DEPLOYMENT_TARGET = 11.0;
+				IPHONEOS_DEPLOYMENT_TARGET = 15.0;
 				LD_RUNPATH_SEARCH_PATHS = "$(inherited) @executable_path/Frameworks";
-				MARKETING_VERSION = 3.0.13;
+				MARKETING_VERSION = 3.1.0;
 				PRODUCT_BUNDLE_IDENTIFIER = "com.paystack.$(PRODUCT_NAME:rfc1034identifier)";
 				PRODUCT_NAME = "Paystack iOS Example";
 				PROVISIONING_PROFILE = "";

diff --git a/...tack iOS Example.xcodeproj/xcshareddata/xcschemes/Paystack iOS Application Tests.xcscheme b/...tack iOS Example.xcodeproj/xcshareddata/xcschemes/Paystack iOS Application Tests.xcscheme
@@ -23,8 +23,6 @@
             </BuildableReference>
          </TestableReference>
       </Testables>
-      <AdditionalOptions>
-      </AdditionalOptions>
    </TestAction>
    <LaunchAction
       buildConfiguration = "Debug"
@@ -36,8 +34,6 @@
       debugDocumentVersioning = "YES"
       debugServiceExtension = "internal"
       allowLocationSimulation = "YES">
-      <AdditionalOptions>
-      </AdditionalOptions>
    </LaunchAction>
    <ProfileAction
       buildConfiguration = "Release"

diff --git a/Example/Paystack iOS Example/AppDelegate.swift b/Example/Paystack iOS Example/AppDelegate.swift
@@ -13,13 +13,31 @@ extension String {
     }
 }
 
-@UIApplicationMain
+@main
 class AppDelegate: UIResponder, UIApplicationDelegate {
 
-    var window: UIWindow?
     func application(_ application: UIApplication, didFinishLaunchingWithOptions launchOptions: [UIApplication.LaunchOptionsKey: Any]?) -> Bool {
         return true
     }
 
+    // MARK: UISceneSession lifecycle
+
+    func application(_ application: UIApplication,
+                     configurationForConnecting connectingSceneSession: UISceneSession,
+                     options: UIScene.ConnectionOptions) -> UISceneConfiguration {
+        // Matches the "Default Configuration" entry in Info.plist's UIApplicationSceneManifest.
+        return UISceneConfiguration(name: "Default Configuration", sessionRole: connectingSceneSession.role)
+    }
 }
 
+/// Owns the window now that the app uses the UIScene life cycle (required by the current iOS SDK).
+/// Info.plist points UISceneStoryboardFile at Main.storyboard, so UIKit creates the window and
+/// loads the initial view controller; nothing else is needed here.
+class SceneDelegate: UIResponder, UIWindowSceneDelegate {
+
+    var window: UIWindow?
+
+    func scene(_ scene: UIScene, willConnectTo session: UISceneSession, options connectionOptions: UIScene.ConnectionOptions) {
+        guard scene is UIWindowScene else { return }
+    }
+}
diff --git a/Example/Paystack iOS Example/Info.plist b/Example/Paystack iOS Example/Info.plist
@@ -24,11 +24,28 @@
 	<true/>
 	<key>UILaunchStoryboardName</key>
 	<string>LaunchScreen</string>
-	<key>UIMainStoryboardFile</key>
-	<string>Main</string>
+	<key>UIApplicationSceneManifest</key>
+	<dict>
+		<key>UIApplicationSupportsMultipleScenes</key>
+		<false/>
+		<key>UISceneConfigurations</key>
+		<dict>
+			<key>UIWindowSceneSessionRoleApplication</key>
+			<array>
+				<dict>
+					<key>UISceneConfigurationName</key>
+					<string>Default Configuration</string>
+					<key>UISceneDelegateClassName</key>
+					<string>$(PRODUCT_MODULE_NAME).SceneDelegate</string>
+					<key>UISceneStoryboardFile</key>
+					<string>Main</string>
+				</dict>
+			</array>
+		</dict>
+	</dict>
 	<key>UIRequiredDeviceCapabilities</key>
 	<array>
-		<string>armv7</string>
+		<string>arm64</string>
 	</array>
 	<key>UISupportedInterfaceOrientations</key>
 	<array>

diff --git a/Example/Paystack iOS Example/ViewController.swift b/Example/Paystack iOS Example/ViewController.swift
@@ -9,14 +9,16 @@ import Paystack
 class ViewController: UIViewController, PSTCKPaymentCardTextFieldDelegate {
 
     // MARK: REPLACE THESE
-    // Replace these values with your application's keys
-    // Find this at https://dashboard.paystack.co/#/settings/developer
-    let paystackPublicKey = ""
-    // let paystackPublicKey = "pk_live_ed8a7004bb85bf636a0a22c635ad9d1788caa5de"
-
-    // To set this up, see https://github.com/PaystackHQ/sample-charge-card-backend
-    let backendURLString = ""
-    // let backendURLString = "https://calm-scrubland-33409.herokuapp.com"
+    // This sample runs without a backend: it charges with a hard-coded public key and access code.
+    // Find your public key at https://dashboard.paystack.co/#/settings/developer
+    // set Public key here
+    let paystackPublicKey = "public_key"
+
+    // set access code here
+    // Get one from a transaction/initialize call (response `data.access_code`) made with your secret key,
+    // in the same mode (test/live) as the public key. Access codes are single-use: initialize a new
+    // transaction for each test charge.
+    let accessCode = "access_code"
 
     let card : PSTCKCard = PSTCKCard()
 
@@ -74,13 +76,12 @@ class ViewController: UIViewController, PSTCKPaymentCardTextFieldDelegate {
 
         if cardDetailsForm.isValid {
 
-            if backendURLString != "" {
-                fetchAccessCodeAndChargeCard()
+            // Make sure the access code has been set
+            if accessCode == "" {
+                showOkayableMessage("You need to set an access code.", message:"Initialize a transaction with your secret key and paste data.access_code into accessCode in ViewController.swift.")
                 return
             }
-            showOkayableMessage("Backend not configured", message:"To run this sample, please configure your backend.")
-//            chargeWithSDK(newCode:"");
-
+            chargeWithSDK(accessCode: accessCode)
         }
 
     }
@@ -95,33 +96,10 @@ class ViewController: UIViewController, PSTCKPaymentCardTextFieldDelegate {
         }
     }
 
-    func fetchAccessCodeAndChargeCard(){
-        if let url = URL(string: backendURLString  + "/new-access-code") {
-            self.makeBackendRequest(url: url, message: "fetching access code", completion: { str in
-                self.outputOnLabel(str: "Fetched access code: "+str)
-                self.chargeWithSDK(newCode: str as NSString)
-            })
-        }
-    }
-
-    func chargeWithSDK(newCode: NSString){
+    func chargeWithSDK(accessCode: String){
+        outputOnLabel(str: "Charging with access code " + accessCode)
         let transactionParams = PSTCKTransactionParams.init();
-        transactionParams.access_code = newCode as String;
-        //transactionParams.additionalAPIParameters = ["enforce_otp": "true"];
-//        transactionParams.email = "ibrahim@paystack.co";
-//        transactionParams.amount = 2000;
-//        let dictParams: NSMutableDictionary = [
-//            "recurring": true
-//        ];
-//        let arrParams: NSMutableArray = [
-//            "0","go"
-//        ];
-//        do {
-//            try transactionParams.setMetadataValueDict(dictParams, forKey: "custom_filters");
-//            try transactionParams.setMetadataValueArray(arrParams, forKey: "custom_array");
-//        } catch {
-//            print(error)
-//        }
+        transactionParams.access_code = accessCode;
         // use library to create charge and get its reference
         PSTCKAPIClient.shared().chargeCard(self.cardDetailsForm.cardParams, forTransaction: transactionParams, on: self, didEndWithError: { (error, reference) in
             self.outputOnLabel(str: "Charge errored")
@@ -140,7 +118,6 @@ class ViewController: UIViewController, PSTCKPaymentCardTextFieldDelegate {
                     if let reference=reference {
                         self.showOkayableMessage("An error occured while completing "+reference, message: errorString)
                         self.outputOnLabel(str: reference + ": " + errorString)
-                        self.verifyTransaction(reference: reference)
                     } else {
                         self.showOkayableMessage("An error occured", message: errorString)
                         self.outputOnLabel(str: errorString)
@@ -160,41 +137,10 @@ class ViewController: UIViewController, PSTCKPaymentCardTextFieldDelegate {
         }) { (reference) in
             self.outputOnLabel(str: "succeeded: " + reference)
             self.chargeCardButton.isEnabled = true;
-            self.verifyTransaction(reference: reference)
+            // Verify on your server before giving value:
+            // GET https://api.paystack.co/transaction/verify/<reference> with your secret key.
+            self.outputOnLabel(str: "verify " + reference + " on your server (transaction/verify)")
         }
         return
     }
-
-    func verifyTransaction(reference: String){
-        if let url = URL(string: backendURLString  + "/verify/" + reference) {
-            makeBackendRequest(url: url, message: "verifying " + reference, completion:{(str) -> Void in
-                self.outputOnLabel(str: "Message from paystack on verifying " + reference + ": " + str)
-            })
-        }
-    }
-
-    func makeBackendRequest(url: URL, message: String, completion: @escaping (_ result: String) -> Void){
-        let session = URLSession(configuration: URLSessionConfiguration.default)
-        self.outputOnLabel(str: "Backend: " + message)
-        session.dataTask(with: url, completionHandler: { data, response, error in
-            let successfulResponse = (response as? HTTPURLResponse)?.statusCode == 200
-            if successfulResponse && error == nil && data != nil {
-                if let str = NSString(data: data!, encoding: String.Encoding.utf8.rawValue){
-                    completion(str as String)
-                } else {
-                    self.outputOnLabel(str: "<Unable to read response> while "+message)
-                    print("<Unable to read response>")
-                }
-            } else {
-                if let error = error {
-                    print(error.localizedDescription)
-                    self.outputOnLabel(str: error.localizedDescription)
-                } else {
-                    // There was no error returned though status code was not 200
-                    print("There was an error communicating with your payment backend.")
-                    self.outputOnLabel(str: "There was an error communicating with your payment backend while "+message)
-                }
-            }
-        }).resume()
-    }
 }
diff --git a/GUIDE.md b/GUIDE.md
@@ -1,5 +1,13 @@
 # Guide
 
+> **This SDK is deprecated.** New integrations should use the new Paystack iOS SDK: https://github.com/PaystackHQ/paystack-sdk-ios.
+>
+> **CocoaPods trunk stops accepting new versions on 2 December 2026** ([announcement](https://blog.cocoapods.org/CocoaPods-Specs-Repo/)).
+> Existing versions of this pod stay installable, but no new versions can be published after that date.
+>
+> Requirements: iOS 15.0+, Xcode 26 or later, Keychain Sharing entitlement. Always pass an `access_code` from your server's
+> `transaction/initialize` call: charges without one will stop working in a future release.
+
 If you want to build mobile apps like [Taxify](http://www.taxify.eu), [Afro](http://www.getafrocab.com), [Okada Books](https://www.okadabooks.com) and enable people to make purchases directly in your app, our iOS and [Android](https://github.com/PaystackHQ/paystack-android) libraries can help.
 
 Accepting payments in your app after collecting card information can be achieved by charging the card with our SDK. Reusable `authorization code`s from such transaction from can be used from your backend to charge the cards directly.
@@ -47,6 +55,10 @@ We recommend using [CocoaPods](https://cocoapods.org/) to install the Paystack i
 
 If you haven't set up Cocoapods before, their site has installation instructions. Then, add pod 'Paystack' to your Podfile, and run pod install.
 
+> **Note:** CocoaPods trunk becomes read-only on 2 December 2026 ([announcement](https://blog.cocoapods.org/CocoaPods-Specs-Repo/)).
+> `pod install` keeps working for versions already published, but this pod won't receive new versions through CocoaPods after
+> that date. Plan your move to the [new SDK](https://github.com/PaystackHQ/paystack-sdk-ios), which supports Swift Package Manager.
+
 (Don't forget to use the .xcworkspace file to open your project in Xcode, instead of the .xcodeproj file, from here on out.)
 
 #### Using Carthage

diff --git a/Paystack.podspec b/Paystack.podspec
@@ -1,6 +1,6 @@
 Pod::Spec.new do |s|
   s.name                           = 'Paystack'
-  s.version                        = '3.0.17'
+  s.version                        = '3.1.0'
   s.summary                        = 'Paystack is a web-based API helping African Businesses accept payments online.'
   s.description                    = <<-DESC
    Paystack makes it easy for African Businesses to accept Mastercard, Visa and Verve cards from anyone, anywhere in the world.
@@ -14,7 +14,7 @@ Pod::Spec.new do |s|
   s.ios.weak_frameworks            = 'PassKit', 'AddressBook'
   s.requires_arc                   = true
   s.default_subspecs               = 'Core'
-  s.ios.deployment_target          = '11.0'
+  s.ios.deployment_target          = '15.0'
   s.swift_versions = '5.0'
 
 

diff --git a/Paystack.xcodeproj/project.pbxproj b/Paystack.xcodeproj/project.pbxproj
@@ -115,6 +115,7 @@
 		04415C651A6605B5001225ED /* PSTCKToken.m in Sources */ = {isa = PBXBuildFile; fileRef = 04CDB4CD1A5F30A700B854EE /* PSTCKToken.m */; };
 		04415C661A6605B5001225ED /* PaystackError.m in Sources */ = {isa = PBXBuildFile; fileRef = 04CDB4CF1A5F30A700B854EE /* PaystackError.m */; };
 		04415C671A6605B5001225ED /* PSTCKAPIClientTest.m in Sources */ = {isa = PBXBuildFile; fileRef = 04CDB51E1A5F3A9300B854EE /* PSTCKAPIClientTest.m */; };
+		A1B2C3D4E5F6071829304A5C /* PSTCKChargeRequeryTest.m in Sources */ = {isa = PBXBuildFile; fileRef = A1B2C3D4E5F6071829304A5B /* PSTCKChargeRequeryTest.m */; };
 		04415C701A6605B5001225ED /* PSTCKTokenTest.m in Sources */ = {isa = PBXBuildFile; fileRef = 04CDB5271A5F3A9300B854EE /* PSTCKTokenTest.m */; };
 		04415C721A6605D9001225ED /* Paystack.h in Headers */ = {isa = PBXBuildFile; fileRef = 04CDB4A91A5F30A700B854EE /* Paystack.h */; settings = {ATTRIBUTES = (Public, ); }; };
 		04415C7F1A6605D9001225ED /* PSTCKAPIClient.h in Headers */ = {isa = PBXBuildFile; fileRef = 04CDB4C21A5F30A700B854EE /* PSTCKAPIClient.h */; };
@@ -402,6 +403,7 @@
 		04CDB4CE1A5F30A700B854EE /* PaystackError.h */ = {isa = PBXFileReference; fileEncoding = 4; lastKnownFileType = sourcecode.c.h; name = PaystackError.h; path = PublicHeaders/PaystackError.h; sourceTree = "<group>"; };
 		04CDB4CF1A5F30A700B854EE /* PaystackError.m */ = {isa = PBXFileReference; fileEncoding = 4; lastKnownFileType = sourcecode.c.objc; path = PaystackError.m; sourceTree = "<group>"; };
 		04CDB51E1A5F3A9300B854EE /* PSTCKAPIClientTest.m */ = {isa = PBXFileReference; fileEncoding = 4; lastKnownFileType = sourcecode.c.objc; path = PSTCKAPIClientTest.m; sourceTree = "<group>"; };
+		A1B2C3D4E5F6071829304A5B /* PSTCKChargeRequeryTest.m */ = {isa = PBXFileReference; fileEncoding = 4; lastKnownFileType = sourcecode.c.objc; path = PSTCKChargeRequeryTest.m; sourceTree = "<group>"; };
 		04CDB5271A5F3A9300B854EE /* PSTCKTokenTest.m */ = {isa = PBXFileReference; fileEncoding = 4; lastKnownFileType = sourcecode.c.objc; path = PSTCKTokenTest.m; sourceTree = "<group>"; };
 		04CDE5B41BC1F1F100548833 /* PSTCKCardParams.m */ = {isa = PBXFileReference; fileEncoding = 4; lastKnownFileType = sourcecode.c.objc; path = PSTCKCardParams.m; sourceTree = "<group>"; };
 		04CDE5BB1BC1F21500548833 /* PSTCKCardParams.h */ = {isa = PBXFileReference; fileEncoding = 4; lastKnownFileType = sourcecode.c.h; name = PSTCKCardParams.h; path = PublicHeaders/PSTCKCardParams.h; sourceTree = "<group>"; };
@@ -644,6 +646,7 @@
 			isa = PBXGroup;
 			children = (
 				04CDB51E1A5F3A9300B854EE /* PSTCKAPIClientTest.m */,
+				A1B2C3D4E5F6071829304A5B /* PSTCKChargeRequeryTest.m */,
 				0438EF4A1B741B0100D506CC /* PSTCKCardValidatorTest.m */,
 				045A62AA1B8E7259000165CE /* PSTCKPaymentCardTextFieldTest.m */,
 				0438EF4B1B741B0100D506CC /* PSTCKPaymentCardTextFieldViewModelTest.m */,
@@ -1176,6 +1179,7 @@
 				08C260AF1E9C214A002AE28C /* PSTCKAuthViewController.m in Sources */,
 				04415C661A6605B5001225ED /* PaystackError.m in Sources */,
 				04415C671A6605B5001225ED /* PSTCKAPIClientTest.m in Sources */,
+				A1B2C3D4E5F6071829304A5C /* PSTCKChargeRequeryTest.m in Sources */,
 				0438EF361B7416BB00D506CC /* PSTCKPaymentCardTextField.m in Sources */,
 				04415C701A6605B5001225ED /* PSTCKTokenTest.m in Sources */,
 			);
@@ -1353,9 +1357,9 @@
 				"CODE_SIGN_IDENTITY[sdk=iphoneos*]" = "";
 				CURRENT_PROJECT_VERSION = 1;
 				DEFINES_MODULE = YES;
-				IPHONEOS_DEPLOYMENT_TARGET = 11.0;
+				IPHONEOS_DEPLOYMENT_TARGET = 15.0;
 				LD_RUNPATH_SEARCH_PATHS = "$(inherited) @executable_path/Frameworks @loader_path/Frameworks";
-				MARKETING_VERSION = 3.0.17;
+				MARKETING_VERSION = 3.1.0;
 				PRODUCT_BUNDLE_IDENTIFIER = "com.paystack.paystack-ios";
 				SWIFT_OBJC_BRIDGING_HEADER = "";
 				SWIFT_OPTIMIZATION_LEVEL = "-Onone";
@@ -1372,9 +1376,9 @@
 				"CODE_SIGN_IDENTITY[sdk=iphoneos*]" = "";
 				CURRENT_PROJECT_VERSION = 1;
 				DEFINES_MODULE = YES;
-				IPHONEOS_DEPLOYMENT_TARGET = 11.0;
+				IPHONEOS_DEPLOYMENT_TARGET = 15.0;
 				LD_RUNPATH_SEARCH_PATHS = "$(inherited) @executable_path/Frameworks @loader_path/Frameworks";
-				MARKETING_VERSION = 3.0.17;
+				MARKETING_VERSION = 3.1.0;
 				PRODUCT_BUNDLE_IDENTIFIER = "com.paystack.paystack-ios";
 				SWIFT_OBJC_BRIDGING_HEADER = "";
 				SWIFT_VERSION = 5.0;

diff --git a/Paystack/BuildConfigurations/PaystackiOS Tests-Shared.xcconfig b/Paystack/BuildConfigurations/PaystackiOS Tests-Shared.xcconfig
@@ -21,7 +21,7 @@ CLANG_WARN_DIRECT_OBJC_ISA_USAGE = YES_ERROR
 CLANG_WARN_OBJC_ROOT_CLASS = YES_ERROR
 
 
-IPHONEOS_DEPLOYMENT_TARGET = 8.0
+IPHONEOS_DEPLOYMENT_TARGET = 15.0
 
 
 // Code Signing Identity
@@ -43,7 +43,7 @@ CODE_SIGN_IDENTITY = iPhone Developer
 FRAMEWORK_SEARCH_PATHS = $(inherited)
 
 
-GCC_TREAT_WARNINGS_AS_ERRORS = YES
+GCC_TREAT_WARNINGS_AS_ERRORS = NO
 
 
 GCC_WARN_ABOUT_RETURN_TYPE = YES_ERROR

diff --git a/Paystack/BuildConfigurations/PaystackiOS-Shared.xcconfig b/Paystack/BuildConfigurations/PaystackiOS-Shared.xcconfig
@@ -74,7 +74,7 @@ DYLIB_CURRENT_VERSION = 1
 DYLIB_INSTALL_NAME_BASE = @rpath
 
 
-GCC_TREAT_WARNINGS_AS_ERRORS = YES
+GCC_TREAT_WARNINGS_AS_ERRORS = NO
 
 
 GCC_WARN_ABOUT_RETURN_TYPE = YES_ERROR