Three Declined Transactions in Apple Wallet But not in Bank Website

Contact an Apple Card Specialist at Goldman Sachs Bank and ask. Goldman Sachs is the issuer and servicer of your Apple Card account.

CONTACTING — Goldman Sachs Bank 

• Using Messages; chat with an Apple Card specialist

• Call toll-free at 877-255-5923

• Write to: Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.

How do you know there were transactions? Did you receive an email, text, phone call? Where are you seeing these transactions?

This seems unusual. If your payment method/credit card doesn’t show a transaction on your bank’s app or website, there is not a charge.

All Apple does is extremely securely send data between the merchant and your bank and then back to the merchant. Apple Pay can’t approve or decline a transaction. It can’t initiate a transaction.

I wonder if the bank recently went through a system update/upgrade and an old decline showed up. I would call their cards support team using the phone on the back of the card. They will be able to confirm any transactions and offer an explanation or confirmation.

This could be a new >feature< your bank added to Apple Pay in iOS 17. Previously, only my Apple Card MasterCard in the Wallet app showed the declines like that. Many people have found is disconcerting over the years and want them removed. The declines however, cannot be removed, with Apple Card.

Have you ever had fraudulent activity on that account before and you notified your bank etc.?

I think what you’re seeing are the fraudulent charges that your bank automatically detected and your account was never charged. American Express and Capitol One are particularly diligent, in my experience. But neither one showed me the declines in my Wallet app. This could be a change in iOS 17.

Good thing you canceled your card/s - same thing has been happening to me and at first all I saw was declined transactions but nothing coming out of my account- then I started noticing the transactions coming out of my bank acct at 3:45am and other weird times that I was not using my Apple wallet- it is a problem with the wallet because the only fraud that is happening is through the wallet transactions. I was using it to pay for my train fare - and I keep having declined transactions for the MTA. No other businesses where I used my cards.

This happened to me yesterday, credit card shows no pending transactions but I got a new card issued to be safe. Woke up today to several declined transactions for the same amount as yesterday to the same business spaced out but in the early morning hours while I was asleep. It’s all in my Apple wallet transactions but nothing shows in my bank account.

What is MTA?