[Misc] Help. Apple Pay being declined

[PascalGroß Tips]

Yes, tried my Uber and Lieferando apps, same issue.

Is it just using apps it's being declined? Does it fail when tapping a machine in a shop?

 

[LamieRobertson]

I’m not able to add my only another credit card as I cannot verify it, due to being abroad.

i know this is probably a one in a million ..but the card registered has expired?

 

[Clive Walker]

In work in the payments industry and work with all digital wallets regularly.
The main difference between a DW transaction like ApplePay vs a traditional credit card transaction is that the DW version is tokenised. This is almost always done by the card issuer. 99% of the times this is where the fault is and I would guess that the rep on the phone wouldn't have visibility of this. Give it a day or so and it will work just fine.

Tokens need to be decrypted and validated for each trxn. I reckon this is the leg that is failing.

 

[Herr Tubthumper]

Is it just using apps it's being declined? Does it fail when tapping a machine in a shop?

Not tried this. I did switch to using the card directly in the Lieferando app, i.e. not via Apple Pay, and it worked fine.

 

[SouthSaxon]

You mentioned you’re abroad, was that when the problem started or was it working after you travelled?

 

[Herr Tubthumper]

You mentioned you’re abroad, was that when the problem started or was it working after you travelled?

Sorry. I wasn’t clear. I live abroad and was trying to add a UK card.

 

[pb21]

Have you tried turning off your Apple phone and turning on an Android phone?

Normally solves most issues.

 

[mejonaNO12 aka riskit]

Have you tried using money?

 

[Herr Tubthumper]

It's probably pretty key as it will help identify where the issue is. I'd expect the bank to tell you if they can see the transactions coming through and being declined.

That said you'd expect the guy to offer up that information as your card would not look "fine" if transactions were being declined.

Do you have any other cards on the phone you can try, just to figure out if it's a "your phone" issue, or not?

I called again, Barclays can see all the transactions and can see them being declined. There was a brief and temporary block on my card yesterday, for a an unspecified security reason (he couldn’t see the reason), but this was lifted and as far as they can see the card is unblocked and active. He could not see, or understand, why it’s still being declined.

Grrrrrr

 

[Weststander]

Has your digital footprint revealed you as a Kamala Harris fan? You're now cancelled.

 

[Herr Tubthumper]

Has your digital footprint revealed you as a Kamala Harris fan? You're now cancelled.

Do Uber Eats deliver to CECOT?

 

[BN9 BHA]

Google Pay is working FABULOUSLY.


Just sayin'.

So is cash, I’m sure there are some on here that are anti cash, not mentioning any names of course

 

[Justice]

So is cash, I’m sure there are some on here that are anti cash, not mentioning any names of course

I received £800 in cash last Friday I had to have a lie down it was so unusual

 

[Gazwag]

If you card is working fine, why not just use you card to pay for transactions and sort your phone out when you get back to the UK

 

[Gazwag]

Google Pay is working FABULOUSLY.


Just sayin'.

I had a problem with three Amazon payments showing on my account last weekend, rang the bank, reported the fraud and they sorted it all out and cancelled my card and said my new card would be in the post.

A minute or so after the call my new card details popped up on google pay on my phone as if by magic, I was well impressed with that.

 

[Justice]

This happened to me last week after tapping in and out trains & the underground. That evening I was declined trying to pay for dinner. Obviously I blamed that greedy tool the Mayor of London.

 

[Herr Tubthumper]

If you card is working fine, why not just use you card to pay for transactions and sort your phone out when you get back to the UK

I can use the card directly on the app (ie not via Apple Pay), but it means i then have to open the banking app to authorize it. Bit of a faff but it means I won’t starve, Apple Pay is/was just two clicks of the button on the side…far easier.

 

[Greg Bobkin]

Wouldn't happen with Omsung SPEND.

 

[Clive Walker]

I can use the card directly on the app (ie not via Apple Pay), but it means i then have to open the banking app to authorize it. Bit of a faff but it means I won’t starve, Apple Pay is/was just two clicks of the button on the side…far easier.

see my earlier post. Apple pay works with tokenising your card number. That is the only difference. If its failing but card is working then the tokenisation leg is failing. Thats all on your issuer.

 

[Chicken Run]

Yes. Literally was working up until yesterday, pretty much daily for a long long time.
When I removed and re-installed I got a confirmation SMS saying it was ready to use with Apple Pay.

Good point. I’ll try and attach another card and see if it works.

Is the Frau away with Girlfriends?