Apple Pay randomly stopped working

The card in my wallet was not expired. The billing address is exactly like my iCloud card on file (they are the same and show “Linked to Apple Pay”). There are no other cards in my wallet.


I have removed the card and re- entered numerous times. Manually and by scanning the card.


My IOS is updated.


Suggestions / solutions ?



iPhone 14 Pro, iOS 18

Posted on Feb 19, 2025 11:37 AM

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15 replies

Feb 21, 2025 03:02 PM in response to Debs115

If it say declined, the bank declined the transaction and you’ll have to ask the banks support team for an explanation. If it said something other than declined, it’s a merchant or network issue.


Apple is not a bank and only sends encrypted data about the transaction. Neither the merchant or other parties involved have the key to decrypt the data. The bank decrypts the data and either approves or declines the transaction.


I hope that helps a little. The bank should see the transaction coming in and be able to explain the issue.

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Apple Pay randomly stopped working

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