Issues paying with Apple Pay with my Amex card

Apple Pay has declined my purchase then sent the payment this has happened on at least two occasions lately , I’ve been in touch with my card provider they’re answer was go back to the merchant . ( not very helpful ).

Hi Jeff

no it’s a different credit card I’m based in the uk , the card is working fine the problem has arisen when using Apple Pay on my phone , the credit card has been charged even after the Apple Pay declined the purchase , the shop/ merchant didn’t receive any notification their end but payment was still taken , it could be down to poor internet connection but I’m bemused to why the payment was taken , normally a declined payment would go to pending payments on your credit card app then disappear off there and not get charged for.

hope your keeping up to speed with this as it a bit long winded.

thanks

Fixer21.

Apple is not a bank, did not issue your card and cannot approve or decline a transaction. Only the issuing bank can approve a transaction.

When Apple Pay is activated and identity is confirmed, a handshake is performed establishing connections and security requirements. Once established, data between your iPhone and the merchant is transmitted in encrypted form. This includes a one time use code for the transaction.

The merchants network then handles the encrypted data and sends it to the merchant’s credit card processor. Data then goes to the Payment Network Operator and your bank. The bank decrypts the data and approves or declines the transaction and returns the approval to the merchant and the transaction terminal display the approval or decline.

Apple iPhone cannot create another token without another Face ID authentication and authorization. More than likely the bank glitched, but it could be the credit card processor or possibly the merchant.

Your best recourse is to discuss the matter again with the bank and also the merchant. Since neither entity appears to know how Apple Pay works. I happy to answer any questions that may arise.,

There a few community members reporting issues in Europe. Those may be related to both iPhone iOS updates and merchant updates for their POS system.

What country are you in?

I said Europe, but I believe the majority of issues have been more UK oriented. Sorry for any confusion I may have caused.

It’s an American Express issue and I’d follow up every 30 days or so with AM/EX support and see what they say.

Have you tried at multiple merchants?

A few community members have posted they had success removing the card from Apple Wallet, restarting the iPhone and adding it again. You could try it and see what happens.

You’re welcome. I hope you have a great weekend!

This is your American Express card, is that correct? Did you read any of the posts in this thread?

Thanks for sharing an update and possible solution. I’m sure this will benefit community members in the future. I hope you have a great day.