Reasons Why Has My Apple Pay Declined

Are you wondering why has my Apple pay declined again? Read on to find out the possible causes (and solutions!)

Apple Pay was in development for quite a while before it officially launched in October 2014. To design this platform Apple has partnered with major financial institutions such as American Express, MasterCard and Visa.

The purpose of this project was to enable Apple iPhone users with a new payment technology that is safer and less vulnerable to external factors like magnetic fields, unlike the traditional magnetic stripe card with exposed account numbers and insufficient security pins, Apple wanted to take all this digital for its customers.

The result of all the development between Apple and its partners was a single use token system that would avoid the need for any personal information to be transferred. The service initially launched in the US and then expanded to other countries like the UK, China and Japan.

Apple went on to further develop and expand the payment system by adding the Apple Watch to the list of compatible devices and in March 2019 the Apple Card was announced and was to be developed in partnership with Goldman Sachs and Mastercard.

Apple pay can be used to send money to your family and friends through the iMessage app and make payments at accepted retailers all this from your iPhone and now the Apple card too.

Why Has My Apple Pay Declined

Using Apple Pay could not be easier, with your iPad, iPhone or Apple watch. Just open iMessage to send money to anyone, make payments at retailers or pay bills online.

Apple made even more upgrades to the system when they launched the iPhone X and others after, these models brought in the extra security when they switched from Touch fingerprint ID to the Face ID recognition feature for authentication of payments. Face scans instead of fingerprint scans are used on these models.

All technology though comes with some drawbacks and sometimes your Apple Pay can get declined for a number of reasons, this can be due to various factors that we will discuss further in this article, we will also look at solutions to fix the problem so continue reading if your Apple Pay gets declined.

What is Apple Pay?

Why Has My Apple Pay Declined

Apple Pay is an online payment platform from Apple, it is a payment and digital wallet service that allows its users to pay retailers at the source with NFC, send money to others using the iMessage app and use the Safari browser to make payments on websites online. It runs on the same lines as Samsung and Google Pay.

Apple Wallet is a part of the Apple Pay ecosystem, the wallet allows you to add your credit and debit cards and access the money in those accounts with Apple pay. It also brings in two-factor authentication through Touch ID, Face ID or Passcode.

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The Apple payment system keeps all its customer’s information secure and private. When making payments to retailers this personal credit or debit card information known as Funding Primary Account Number or FPAN is replaced by a tokenised Device Primary Account Number or DPAN, it will then create a dynamic security code that is unique to each transaction.

When used at points of sale, a user just has to hold their authenticated Apple product to the point of sale systems NFC card reader, you will then have to authorise the payment using Touch or Face ID or your Passcode. For Apple Watch users double-clicking a button will authenticate a transaction.

Apple pay uses a closed online payment platform and it will only work on supported Apple devices like the iPhone, Apple Watch, iPad and Mac, it will not work on other devices not made and sold by Apple and will function only on iOS and macOS. It will also work only with its supported vendors and banks.

Reasons Apple Pay Can Get Declined

Why Has My Apple Pay Declined

There are multiple reasons a payment can get declined on Apple Pay. The whole system being online has the possibility of running into errors, it can be caused by the online system itself or by a bank issue where the debit or credit card can cause a declined payment.

If a payment gets declined the payment you were trying to make will not get processed. So to know more about why your Apple Pay gets declined continue reading below. This article will tell you about the possible problems you might be facing and some solutions you can try to fix it.

Network Connections

One of the biggest problems any online system can experience is a bad network connection and the same applies to financial systems like Apple Pay as well. A bad network connection is one of the leading causes for payments to get declined.

While it can be a bad connection on your Apple device you are trying to pay with or the network server at Apple, to avoid payments declining for this reason, always make sure you have a good network connection before you initiate a transaction on Apple Pay

Insufficient Balance And Transaction Limits

Apple Pay has Apple wallet as part of its ecosystem, this allows you to add your personal debit and credit cards to the wallet and use them for making payments without needing the actual card itself.

If a card you are trying to use for payment does not have the required funds the payment will get declined.

Some banks also apply daily transaction limits, this differs between banks and types of accounts, if you have a daily limit set by your bank and it has been reached this will also cause your Apple Pay payment to decline.

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In these cases, you will have to either speak to your bank about raising your limit or wait till the next day or add money to the respective account.

Account And Card Issues

If you are using your Family’s card on Apple Pay and family sharing is on, the person who set it up may have restricted payments to go through only with their approval and if it does not get approved the payment will get declined.

When you enter your debit or credit card details into Apple Wallet to use, if you have entered any details incorrectly, like a wrong digit in the account number, no transactions will go through from this card. Keep a check on the validity dates of your cards as well, an expired card will cause failed payments too.

Other Possible Factors

There can be other reasons like human error that can cause the Apple Pay payment to fail. For example, if you are trying to make a purchase online or withdraw money using your debit card and you enter the wrong pin number by mistake, the transaction will definitely fail.

When trying to use your Apple device for a contactless payment, if you do not hold your device over the NFC system at the correct place it can lead to a declined payment.

These are some of the most common reasons Apple Pay gets declined, so check if you have your correct details entered and a good network before you initiate a payment. If your payment ever fails and you would like to know what happens to your funds at that time continue reading below.

Result Of Declined Payments

When you try and make a payment and it fails, the first thing that will happen is a popup, a notification you will receive stating that your transaction has failed. This message will be logged in your Apple Wallet app on your iPhone or iPad.

If a transaction does get declined on most occasions the money will never leave your bank account at all, you should receive a notification stating either a failed transaction or a deduction.

Check your account balance if you need to be sure.

On some occasions, especially on third-party websites such as shopping or grocery websites, a transaction may fail and the order does not get placed but funds get deducted from your account and do not reach the sender.

There is no need to worry if this happens, your money should be refunded automatically, this can be immediate or can even take a couple of working days.

If you still do not get your refund in a few days, all you need to do is get in touch with Apple Pay customer support and let them know, they will initiate the refund process.

Possible Solutions For Declined Apple Pay Transaction

Update Payment Information

Check and update all your bank information. If you have entered incorrect data into Apple Pay or perhaps the information you did enter is not valid anymore this will lead to declined payments.

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To check or change any details just follow the steps listed below, having all the right information in place will help payments go through seamlessly.

  • First, click on the Settings app on your iPhone.
Why Has My Apple Pay Declined
  • On the settings page click on your ID.
  • Next, click on the Payment and Shipping tab, enter your passcode when you are prompted to do so and login.
  • Check the secondary mode of payment located under the Apple Account balance. If your Apple account balance goes to zero it will automatically switch to the secondary mode.

To add a new payment method or update an existing one, click on add payment method or select the one to update and edit it, enter details like card numbers carefully.

To remove a card as a payment method, click on edit in the top right corner and then delete that card.

To change which card gets priority for payments, click edit, and change the position of the card you need.

Increase Transaction Limits

Most banks have a limit on daily transaction amounts, if you exceed this a payment will fail. Contact your bank to increase this limit if needed.

Check With Your Bank

If you are still having trouble with declining payments after trying the other solutions, contact your bank and check why payments are getting declined on their end. The physical card may still work if it does not on Apple Pay.

Check Network Connection

Before you initiate a payment always check if you have a stable internet connection to ensure smooth transactions. On the rare occasion that the Apple servers are down, wait a while and retry.


As you have read Apple Pay can have failed transactions for man reasons. We hope the solutions given above help you if your Apple Pay gets declined so you can go ahead with payments again.

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