Apple Pay Declining on New iPhone 17 Pro

Have you asked your bank’s support team why the transactions are declining? Apple does not approve or decline Apple Pay transactions. Only the issuing bank can decline or approve a transaction.

Please contact your bank’s support team and verify they are seeing the transaction attempts.

Yes, I was using the virtual card available in the app, not the physical card (this has worked in the past). They have different CCV numbers. Does that mean they are dual network? Maybe that’s the problem, I will try setting up the physical cards instead and see if that resolves it.

Just got off the phone with CBA. There is some issue on their end and they don’t know when it will be resolved. They only said the physical cards still work, just not Apple wallet and they don’t know when it will be fixed at this time. It is all triggering some sort of security response that is causing the cards to be blocked.

The annoying thing is there’s no real way to check it’s working except to try in a shop. Everyone thinks you’re broke when it declines!!

How did you add the cards to your new iPhone? Did you select them from the previous cards section of Apple Wallet or re-enter the card details?

I’m having the same issue on all my CBA cards, all have money in them, no issue with funds. I’ve removed and added all cards again. 1st time I verified by sms, 2nd time by CBA app. Still get declined when trying to do in store purchase. Could it be that the transactions are showing as international when they are actually in Australia? I have international in store transactions locked.

Are any of the cards you’re using a dual network card? If so, you need to talk to your banks support team. Banking regulations recently changed that affect dual network cards.

I’m not from Australia. I’m in US. But your card sounds a dual network card and they are basically only used I Australia and New Zealand. Please contact your bank about about current restrictions on use of dual network cards in electronic wallets (Apple Pay).

There is an option in the banking app to add card to wallet. I’m guessing that will add the right one. I will try that and revert. Thanks for your help!

My wife and I are having the same issue. My last post was moved to a different thread, but it's clearly an ApplePay issue, is only happening on my new iPhone 17 Pro Max (and my wife's iPhone 17 Pro). It happens when we are making purchases at a store using their app, and then are asked to complete the purchase with ApplePay. The payment on our new phones does go through, and we get a "payment failed" message.

It's not in-app purchases exactly, but when we try to complete an online purchase using ApplePay.

I am experiencing the same problem. Apple 17 pro. It’s beyond frustrating. I have completed all the troubleshooting steps and it’s still not working. I hope it’s not the material it’s built with or something that blocks it from working indefinitely! The banks have nothing to do with it just fyi to those that have advised contact your bank. There’s no issues on their end and said to escalate the issue to Apple.

There are no generic troubleshooting steps. What exactly is happening? Are these online transactions or are you in a merchant’s location? What error messages are you receiving? What country are you in? Do you use a VPN?

Thanks for the update on your banks issue. It’s great to learn it was not an iOS 26 issue. Each bank looks at risks in different ways and what one bank evaluates as a risk and blocks transaction, other banks will approve.

I checked with CBa and NAB who are my banking partners and there were no issues it was set up properly and removed from old device. It’s so frustrating 😩😩