Why is my Apple Pay Declining? 4 Reasons and 5 Solutions

Why Apple Pay declining your payment is not new and is a matter of much concern. You can encounter such issues even with other similar types of apps meant for online transactions. At times an issue like Apple Pay declining your transaction may pop up. There can be one of many reasons that lead to such problems. 

You can use your iPhone, iPad, and Apple Watch to make payments, withdraw cash, and much more. It is a simple and quick way to make transactions. It is similar to other apps like Google Pay or Samsung Pay. You can add a credit or debit card to Apple Pay. Being a closed online payment system, Apple Pay has to rely on vendors or banks for support. It is only available for iOS users.

Like other online payment methods, Apple Pay also is not flawless. It encounters certain glitches that can be really frustrating and exasperating for you. This can be due to many reasons or due to one of the many reasons. A single reason can’t be attributed to Apple Pay declining. In this article, I will try to explain the possible reason for your Apple Pay decline and the ways to fix it.

Reasons Why Your Apple Pay is Declining

Being an online system that works with debit and credit cards. There are chances that it might not work perfectly. One such imperfection is Apple Pay declining payment. Why would Apple Pay decline the payment? Apple Pay declining payment can be due to one or more of the following reasons explained by me in this article.

1. Poor Network Connectivity: 

A weak and poor network is one of the most common reasons for a failed online translation by Apple Pay or other similar apps. It can be a poor connection between your end (Device), the Apple Pay server, or the recipient’s server. You have to make payment only when the connection is strong.

2. Card Decline: 

Sometimes Apple Pay declining payment can be due to an invalid card being used for the payment. The credential of the card might not be up to date a result of which the payment is declined. You have to make sure that the information given is up to date, including the card details and the billing information if you are using family sharing.

3. Insufficient Balance or Transaction Limit:

If you don’t have enough balance and the required credit limit since Apple Pay works with the credit card and the debit card. Apple Pay declines your payment. Make sure that you have sufficient balance in your account and enough credit limit spared. If it is not so, add more money to your account and wait for the credit limit to be lifted up.

4. Miscellaneous Causes:

Besides, there can be other causes that can lead to Apple Pay declining your payment. The reasons could be: 

• That you have entered the wrong pin. You must confirm and enter the right pin.
• If you have opted for a contactless transaction, properly hold your device over the terminal for successful payment.

Check if any of the given reasons might have occurred and you are unable to make payment. As a result, Apple Pay is declining your transaction.

Where is Your Money Stashed?

Whenever your payment is declined, you don’t need to worry because the money is not deducted from your account. You can check the balance from your account since, in such cases. The amount hasn’t been debited from your account yet. If the money is deducted, it will be refunded to your account. In case you didn’t get the refund. You can approach Apple Pay customer care for help.

How to Fix the Apple Pay Declining?

When there is a problem, there is a solution to the problem as well. You can try the following methods to fix the issue.

1. Check your Connection: 

Make sure that your network is stable and strong. In most cases, the payment is declined due to poor network. If you still fail, wait for a while. It could be due to a weak Apple server or a poor client’s server. Try after some time.

2. Add a New Payment Method: 

 You can opt for a new payment method that might work for you. Follow the given steps to add a new payment method on your phone or iPad.

1. Launch the Settings App on your phone.
2. Click on Itunes and App Store.
3. Tap on your Apple ID.
4. Tap on view Apple ID.
5. Enter the Apple ID password.

3. Update the Payment Information:

Only correct and updated information allows you to use Apple Pay smoothly. Check whether all your details are up to date. If not, update the payment information.

4. Check the Transaction Limit: 

Be sure to operate within the stipulated limit since banks add a cap to the daily limit of your purchase. Check whether you are buying something that exceeds the prescribed limit.

5. Contact Card Issuer: 

Sometimes, the card can work smoothly at a local shop but does not operate when it comes to payment. Contact the card issuer to fix the issue of Apple Pay declining.

Wrapping Up:

The reason for Apple Pay declining payment can be any of the given above. But at the same time, there are guidelines that need to be followed to gid rid of the issue. Although the problem seems to be a rigid one, the solution is quite easy and simpler, which just can be solved in a couple of minutes by following a few steps. And this article gives you all the details you are supposed to have about Apple Pay declining payment and the methods to fix the problem. 

I hoe this article will be of some help to you. In case I have missed something. You can let us know by writing to us. We look forward to your comments and feedback. You can visit our website for content like this and much more.

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