Why is Apple Pay declining my card even though it works elsewhere?

Apple is not a bank and cannot approve or decline a transaction. The issuing bank is who approves or declines transactions. Apple Pay encrypts your personal and financial data. This keeps your transactions safe from merchants selling your personal information and hackers obtaining data from merchants systems.

Check with the issuing bank and confirm they even received the data. Most likely the merchant or merchant's credit card processor had network issues involving Apple Pay.

Some banks allow you to lock cards in electronic wallets. Make sure everything is clear on the banks end.

I had to get a new debit card and I put the new number on my apple account and it worked fine, ONCE. Now my card is being declined and I want it fixed. It’s not my credit union either. This happened a few months ago and it took forever for it to be fixed. I’d like an answer.

You’re welcome and I hope you have a great day!

Hi, please understand this is not Apple Support. Apple Pay and Apple Account are two vastly different services. Exactly which service are you having an issue with?