[Misc] Help. Apple Pay being declined

[Herr Tubthumper]

I started having an issue with my Apple Pay yesterday, the card is being declined and I cannot understand why.

For the record I have
1) Spoken to my bank and they say there is nothing they can see which is wrong with the card. In fact, I can use the card….just not with Apple Pay.
2) Checked IOS is up to date.
3) Yes, phone has been turned on and off.
4) Card has been removed and re-installed.
5) I have switched two apps to PayPal, which is connected to my bank and not the offending credit card, both work fine.
6) Googled this issue, it’s a bit cannot-see-the-wood-for-the-trees. I could not find any suggestions beyond what I have tried.

Not sure what else I can do now.

I can survive with the PayPal option but would like to resolve this.

Can anyone help?

 

[LamieRobertson]

Have you tried dropping the phone and seeing if it still doesnt work….or if it’s in a mous case lobbing it off a tall building

ps can’t thing of any sensible solution apart from deleting the card and reinstalling…edit sorry uve done this
….tried other cards?

 

[Bozza]

Are your bank seeing the transactions being attempted, or is the decline happening before they get to see them?

 

[schmunk]

Google Pay is working FABULOUSLY.


Just sayin'.

 

[PascalGroß Tips]

I started having an issue with my Apple Pay yesterday, the card is being declined and I cannot understand why.

For the record I have
1) Spoken to my bank and they say there is nothing they can see which is wrong with the card. In fact, I can use the card….just not with Apple Pay.
2) Checked IOS is up to date.
3) Yes, phone has been turned on and off.
4) Card has been removed and re-installed.
5) I have switched two apps to PayPal, which is connected to my bank and not the offending credit card, both work fine.
6) Googled this issue, it’s a bit cannot-see-the-wood-for-the-trees. I could not find any suggestions beyond what I have tried.

Not sure what else I can do now.

I can survive with the PayPal option but would like to resolve this.

Can anyone help?

Just to clarify ...

It's a credit card that you've used previously with Apple Pay with no problems?

When you removed it and re-installed it ... you then went through the usual authorisation process with your bank?

Do you have other cards on Apple Pay which are working?

 

[Herr Tubthumper]

Are your bank seeing the transactions being attempted, or is the decline happening before they get to see them?

Hmmmm. I didn’t ask this specify question, neither did the chap offer this up. It was a short call and the guy simply said he’d looked at my card or account and said everything looked okay.

 

[LamieRobertson]

Hmmmm. I didn’t ask this specify question, neither did the chap offer this up. It was a short call and the guy simply said he’d looked at my card or account and said everything looked okay.

Tried another debit/credit card

 

[Tom Hark Preston Park]

Are your bank seeing the transactions being attempted, or is the decline happening before they get to see them?

And are your bank seeing any helpful error codes associated with the declined transactions?

 

[Herr Tubthumper]

Just to clarify ...

It's a credit card that you've used previously with Apple Pay with no problems?

When you removed it and re-installed it ... you then went through the usual authorisation process with your bank?

Do you have other cards on Apple Pay which are working?

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.

 

[mejonaNO12 aka riskit]

Not sure what else I can do now.

Use a bank card?

 

[Bozza]

Hmmmm. I didn’t ask this specify question, neither did the chap offer this up. It was a short call and the guy simply said he’d looked at my card or account and said everything looked okay.

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?

 

[PascalGroß Tips]

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.

Definitely worth trying another card.

Maybe your bank are concerned about your offal consumption

 

[LamieRobertson]

Definitely worth trying another card.

Maybe your bank are concerned about your offal consumption

I suggested this in post two….but totally ignored

 

[Beanstalk]

Hmmmm. I didn’t ask this specify question, neither did the chap offer this up. It was a short call and the guy simply said he’d looked at my card or account and said everything looked okay.

Should come up on your online banking as a refused transaction or in your apple wallet. Worth checking on that before flagging.

It may be that it is neither your fault, or the bank's, but the retailer had an issue in the moment.

 

[surrey jim]

Have you tried a different retailer to ensure its not a problem with the POS terminal where you were trying to spend?

 

[PascalGroß Tips]

I suggested this in post two….but totally ignored

Ahhh ... maybe as it was added in your edit as I only saw your dropping the phone comment first time I read your comment

 

[Herr Tubthumper]

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

 

[PascalGroß Tips]

Have you tried a different retailer to ensure its not a problem with the POS terminal where you were trying to spend?

Was just about to add the same. Retailers do have glitches now and again.

 

[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?

Thank you. I’ll call again.

 

[Herr Tubthumper]

Have you tried a different retailer to ensure it’s not a problem with the POS terminal where you were trying to spend?

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