One of the most common reasons why payments are declined is if your debit card is not working. These are some reasons your Payment method may have been declined by Apple. When your payment method for Apple ID is declined, it can be pretty disappointing, try to remove and add the payment method again, or try another one entirely.
If you do not have any payments unpaid, and are sure that the information on Apple ID is accurate, but Apple payment methods are still declining, then you should log out and log back in. Step 4 Now, verify that your Payment Method, right under your Apple Account balance, is working. You can try signing out of the Apple ID account, and then back in. It is possible something went wrong in how you signed in to your Apple Account, so just like you may have tried rebooting your iPhone or changing your credit card, you could log out of your Apple ID and sign in again.
|Apple Pay Declined Payments Issues||Explanations|
|Dbit card is not working||One of the most common reasons why payments are declined is if your debit card is not working.|
|Apple ID is declined||When your payment method for Apple ID is declined, it can be pretty disappointing, try to remove and add the payment method again, or try another one entirely.|
|log out and log back in||If you do not have any payments unpaid, and are sure that the information on Apple ID is accurate, but Apple payment methods are still declining, then you should log out and log back in.|
Other tips include replacing the credit card in the wallet app, and signing out of Apple ID and signing back in. If your credit card is not working correctly, delete it from Apple Wallet and add it back. To solve the issue, simply do the steps mentioned earlier (Solution #6) to remove a new card and add it again. If this does not work, and your card is still stuck in activated status for over 15 hours, you will need to call your bank or the card issuer to correct or expedite the process.
If none of the solutions above worked (including calling your bank or card issuer), a device reset may solve your Apple Pay problem. If none of these solutions worked for you, then you will have to contact Apple Customer Service or visit an Apple Store. Or, you can contact Apple support, as long as your financial institution is not the problem. You should go to Apple support for the same, but make sure that you are on the safe side, that is, that the payment method that is being used is up and running, and all of the details are correct, before doing so.
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Make sure international payments are allowed on the card, to do this, you can go to your bank and get it confirmed on the banks side. The Card worked just fine when I swiped on the Card itself, and showed up in the Bank of America systems as being active for use with Apple Pay. Once in the Payment and Delivery section, see if you can see red text under the card. Once your card is raised, put your iPhone near an NFC terminal and check to see if it goes through.
Selecting it will show you any cards and bank accounts that are connected to your Apple ID. If you add more than one card in the Apple ID, then Apple will debit in the order that your stored cards are listed. If you issued a card in the U.S., the region of your Apple ID should be set to U.S. Visit your Settings app > Tap your name > iTunes & App Store > Tap Apple ID > View Apple ID > Sign In If It Asks You > Country/Region.
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Selecting a Card from your Apple Wallet The next method for solving this issue is selecting the card manually. When Apple Pay and a terminal are working properly, Apple Pays wallet launches automatically, selecting your default card, when you hold your iPhone up to a terminal. If you get an email saying that your payment has been declined, that means that the bank was not able to process it using my Apple Pay. Because Apple Pay is an online payment system, which works with either a credit card or a debit card, there is the possibility of its failure.
Insufficient funds or transaction limits: My Apple Pay works with debit and credit cards, so if you are short on funds or you hit the transaction limits, you cannot use your card with Apple Pay. Sometimes there are issues either in online systems or debit/credit cards which may cause payments to not go through. Sometimes, it is possible for online payments to be unsuccessful alone, whereas cards can be effective in a brick-and-mortar store. In those cases, if the Apple Pay payment you are trying to make is above an allowed limit, then your payment will get declined.
Some terminals might ask for your PIN, and if you type the wrong PIN, then your payments will not be processed, they will get declined. If you enter the incorrect PIN into the terminal, your payments will be declined. Keep in mind, there might be times where your Apple Pay is working perfectly, but it is possible the stores and the Payment Terminal are to blame. Change or update your payment info: Incorrect or outdated payment info could cause Apple Pay payments to decline, so be sure you are providing correct payment info to keep Apple Pay running smoothly.
Card Declined – Sometimes, the card information that you provided Apple Pay might be incorrect, and that may be a reason for your Apple Pay payments to get declined. Check With Your Card Issuer – If you are able to fix the problem, you may want to contact your bank or card issuer and ask them to explain why your payment is being declined. Updating your device may resolve your Apple Store payment method declined issue. If you sent money to a friend, coworker, or loved one, and see the status of pending in the transaction, that means the person on the other end has not accepted your payment.
If the next person has not accepted your transactions, then you can message him to accept your payments. Most Apple Pay users mostly have Automatically Accepted Payments turned on, but if anyone has Manually Accepted Payments turned on, that person will need to approve a transaction in order for it to be accepted. If you are ever at somewhere like Walmart, try using another register and seeing if it gets approved, as this may be simply an issue with the specific terminal that you are using, rather than Apple Pay.
How is Apple Pay declined but the card works?
The following are some potential explanations for the transaction’s decline even though the digital card is still shown in the Apple Wallet: A temporary lock has been placed on your physical card. There are insufficient funds on your card or in the transaction account to complete the transaction.