How do I stop Apple from charging me for declined purchases on Coin Master?

Sorry, but it is just your accounting practices that are at fault here. Apple did not take any money that was not authorized by double clicking the side button, followed by verification using FaceID/Passcode. The one week purchases from Coin Master most likely does not include all of your charges that were likely billed later. It is not always done on the same day.

You are only charged for your purchases. If you have an issue, visit reportaproblem.apple.com

The issue is your assuming when you download the accessories for the game, you’re not billed immediately. You are not.

Apple holds several small purchases and combines them all together every 3 to 7 days depending on the size of your individual purchase.

Why does Apple do this, you may ask? It’s simple, the credit card processor, the payment network (Visa, Mastercard etc.) and your bank all take a cut. Processing a $0.99 purchase individually might cost Apple $1.50. That leaves nothing left for the game developer and Apple. They would actually lose money on every small purchase.

The credit card processor allows Apple to accumulate a group of small purchases into a patch to reduce costs and allow the game accessories to be sold so inexpensively. This is called batch processing.

The other reason is processing all the small purchases in real time would cause all the payment networks around the world. It’s not just Apple that does this but Google and other merchants have small cost items they need to batch. How would you like to go buy groceries only to be told it’ll be a few minutes to process your payment because the networks are slow? Not much fun waiting 5 minutes with a cart full of groceries.

So, Apple makes the process clear in the terms and conditions of their stores like Apple App Store and iTunes Store. It’s also stated in their support articles.

I hope that clears things up for you and explains the process to you in an easy manner.

I hope you have a great evening!

NaskieC wrote:

Also they added their tax to each purchase!

Actually they added your tax. Each location has their own sales tax that must be included on any purchase. Some States in the US have zero sales tax and if you live there, then you would see nothing added.