I have implemented apple pay in my iOS application using Passkit framework. I did all of these things fully to set up apple pay. I am using sandbox account. I added cards in Wallet application and these cards are testing cards which I copied from this link. This code I am using:
 print("\(((self.grandTotalLabel.text!).replacingOccurrences(of: "$", with: "")))")
        let paymentNetworks = [PKPaymentNetwork.amex]
        if PKPaymentAuthorizationViewController.canMakePayments(usingNetworks: paymentNetworks){
            paymentRequest.supportedNetworks = paymentNetworks
            paymentRequest.merchantCapabilities = .capability3DS
            paymentRequest.requiredShippingAddressFields = [.all]
            paymentRequest.paymentSummaryItems = self.itemToSell(shipping: 10.0)
                            let sameDayShipping = PKShippingMethod(label: "Same day divilery", amount: 12.99)
            sameDayShipping.detail = "Same day divilery Detail"
            sameDayShipping.identifier = "sameDay"
            let twDaysShipping = PKShippingMethod(label: "Two days divilery", amount: 4.99)
            twDaysShipping.detail = "Two days divilery Detail"
            twDaysShipping.identifier = "twoDays"
            let freeShipping = PKShippingMethod(label: "Free shipping divilery", amount: 0.0)
            freeShipping.detail = "Free shipping divilery Detail"
            freeShipping.identifier = "freeShipping"
           // paymentRequest.shippingMethods = [sameDayShipping,twDaysShipping, freeShipping]
            let applePayVC = PKPaymentAuthorizationViewController(paymentRequest: paymentRequest)
            applePayVC?.delegate = self
            self.present(applePayVC!, animated: true) {
                print("ApplePayViewcontroller")
            }
        }
        else{
            print("Please set up for apple pay")
        }
func itemToSell(shipping:Float) -> [PKPaymentSummaryItem]{
        print(Double("\(((self.grandTotalLabel.text!).replacingOccurrences(of: "$", with: "")))") as Any)
        let dishItems = PKPaymentSummaryItem(label: "FoodKonnect", amount: NSDecimalNumber(string: "21.00"))
        let discount = PKPaymentSummaryItem(label: "Discount", amount: 1.0)
        let shipping = PKPaymentSummaryItem(label: "Shipping", amount: NSDecimalNumber(string: "\(shipping)"))
        let totalAmount = dishItems.amount.adding(discount.amount)
        let totalPrice = PKPaymentSummaryItem(label: "FoodKonnect application", amount: totalAmount)
        return [dishItems, discount,shipping, totalPrice]
    }
These all delegates I am using of  PKPaymentAuthorizationViewControllerDelegate :
extension CartViewController:PKPaymentAuthorizationViewControllerDelegate{
    func paymentAuthorizationViewControllerDidFinish(_ controller: PKPaymentAuthorizationViewController) {
        controller.dismiss(animated: true, completion: nil)
    }
   // @available(iOS 11.0, *)
    func paymentAuthorizationViewController(_ controller: PKPaymentAuthorizationViewController, didSelectShippingContact contact: PKContact, completion: @escaping (PKPaymentAuthorizationStatus, [PKShippingMethod], [PKPaymentSummaryItem]) -> Void) {
        print("\(#function)")
    }
    @available(iOS 11.0, *)
    func paymentAuthorizationViewController(_ controller: PKPaymentAuthorizationViewController, didSelect shippingMethod: PKShippingMethod, handler completion: @escaping (PKPaymentRequestShippingMethodUpdate) -> Void) {
        print("\(#function)")
    }
    @available(iOS 11.0, *)
    func paymentAuthorizationViewController(_ controller: PKPaymentAuthorizationViewController, didAuthorizePayment payment: PKPayment, handler completion: @escaping (PKPaymentAuthorizationResult) -> Void) {
        print("\(#function)")
    }
}
Apple pay viewcontroller is showing and this screen is showing with a processing circle view.

But after few seconds I got this error message:
 I am not able to figure what exactly I am doing wrong.
I am not able to figure what exactly I am doing wrong.
In each implemented delegate function of PKPaymentAuthorizationViewControllerDelegate that have  completion/handler you must call that block with the appropriate parameters and most importantly with appropriate status. 
On iOS 11 not calling the block within (approximately) 15-20s, the iOS is killing the Payment with the error you are seeing. On iOS 10, it will let you spin on Processing indefinitely until the completion blocks are called. 
I had the same issue and it turned out that I was not calling the handler block at all in one of the edge cases.
Recently I faced the same issue and I found a solution.
Everything is fine only we have to update the handler with the success or failure like this:
func paymentAuthorizationViewController(_ controller: 
PKPaymentAuthorizationViewController, didAuthorizePayment payment: 
PKPayment, handler completion: @escaping 
(PKPaymentAuthorizationResult) -> Void) { 
If the payment data are nil or not check for simulator always its nil :
do {
            let jsonResponse = try JSONSerialization.jsonObject(with: paymentStatus.paymentData, options: .mutableContainers)
            print(jsonResponse as! NSDictionary)
            completion(PKPaymentAuthorizationResult(status: .success, errors: nil))
            
        }
        catch let error
        {
            print(error)
            completion(PKPaymentAuthorizationResult(status: .failure, errors: nil))
            
        }
It should solve the problem.
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