Contact your card issuer to see if they support Apple Pay. Update to the latest version of iOS, watchOS, macOS, or visionOS. Confirm that you have Face ID, Touch ID, Optic ID, or a passcode set on your device. Make sure that you are in a supported country or region.
The terminal may be having issues, the merchant may have turned off Apple Pay, or the merchant's gateway provider is blocking it. It's even possible it's the Payment Network Operator (Visa, Mastercard etc.) that is blocking it.
Apple Pay plays no part in approving or declining transactions. You'll need to dispute the charges with the bank that issued the payment method that was charged by the merchant.
Some possible reasons for why the transaction is declining even though the digital card still appears in the Apple wallet include: Your card has been temporarily locked. Your card or the transaction account has insufficient funds or limit for the transaction. An incorrect card PIN has been entered at the terminal.
Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.
The most common issue with paying with an iPhone is choosing a card that is incompatible with the system and does not support Apple Pay. So, first of all, make sure your card supports Apple Pay. However, some other issues can also cause malfunctions: There's not enough memory on the device.
How it benefits you. Apple Pay is easy and works with the Apple devices you use every day. You can make secure contactless purchases above the £100 limit in shops, apps and on the web. It's a safer way to pay, and just as simple as using your plastic card for the next evolution of contactless payments.
When Apple declines your payment method, the first thing to try is to check your payment information to ensure it's accurate and up-to-date. If your billing details, such as your address or ZIP code, is incorrect, this can cause your payment method to be declined.
Update Card Information: Encourage users to verify that the card details (e.g., card number, expiration date, CVV) entered during the transaction are correct. If there are any discrepancies, they should update the information. Check Card Activation: Remind users to ensure that their credit/debit card is activated.
If you see the message "This card cannot be used," check if your bank or card issuer currently supports Apple Pay: Apple Pay participating banks in Canada, Latin America, and the United States. Apple Pay participating banks in Africa, Europe, and the Middle East.
Is Apple Pay down today? According to the official Apple Pay status page, the service is currently up.
See if you need to verify your identity. Make sure that you meet the requirements. If you see Accept in the message, tap it. If this is the first payment that you've received or if you turned off the setting to automatically accept payments, then you need to tap to accept the money.
You may need to remove and re-add your payment method to make sure you entered the information correctly. If your billing address doesn't match your payment method, the ZIP code is incorrect, or you're trying to use an expired card, you'll see a "Payment Not Completed" error.
If your payment has been declined using Apple Pay at the checkout in a store, it could be that there was a poor connection between your Apple device and the contactless terminal. To ensure a smooth payment, you should hold the top of your device on the terminal and wait for it to show that payment has been accepted.
Check to find if your payment method is up to date. If it is not, update it in the Payments centre, then try your purchase again. Make sure you have enough money in your account for the purchase. If you're still having issues, contact your bank to find if there's a problem with your account.
A “payment declined” or “card declined" message means that the issuer of the credit or debit card you have on file in your iTunes account rejected a charge or account confirmation. It is not an Apple problem; Apple is just passing through the message from your issuer.
One common issue is that the billing information held by Apple Pay doesn't match that held by your bank. To check your card information, go to Settings and tap your name, then Payment & Shipping. Tap the payment method you're trying to use to check and update your information if needed².
Another way to see why Apple Pay is not working is to check Apple System Status to make sure Apple Pay is systemically online and has a green status light. If it does not, then it is not just your account and you'll have to wait until the system is back up and running to use Apple Pay.
Often, these payment processing issues are caused by an invalid payment processing certificate, or by mishandling payment data by you or your payment service provider (PSP).
Your debit card could be declined for various reasons, including: Your account has an insufficient balance. You entered the wrong information. Your bank suspects fraud.