Apple Pay Declining-How To Know The Possible Reasons?

Fitweightlogy Staff

Editor’s name : Fitweightlogy Staff | Uploaded On December 28, 2021

Apple Pay Declining - How To Know The Possible Reasons

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Since its introduction in 2014, Apple Pay has quickly risen to become one of the most widely used digital wallets and contactless payment systems on the market. Using near field communication (NFC) at the point of sale, either in person with iOS apps or remotely through the Internet, consumers may pay for goods and services.

Apple Pay is used by over 383 million individuals worldwide, making it the most widely used cashless payment system on the planet. This guide is intended for Apple Pay customers experiencing issues such as Apple Pay declining, pending, or not operating even though they have money in their account. As part of this comprehensive lesson, I’ll cover every possible reason for problems such as payment refusal or pending, in addition to those that do not occur.

In order to make and receive payments with Apple Pay, you must have an Apple ID. A prepaid debit card that you may fill with money that you receive via Messages is known as Apple Cash. There is no difference between Apple Pay and a traditional bank card in terms of functionality. As soon as the money is in your Wallet, you may start making purchases.

This guide is only for Apple Pay customers; who are experiencing issues such as Apple Pay declining, pending, or not operating even though they have money in their account. As a part of this comprehensive lesson, I will cover every possible reason for problems such as payment refusal, or pending, in addition to those that do not occur.

Since Apple Pay was recently dispatched, the quantity of stores and eateries tolerating these installments is restricted; however, the organization said its Visa could be utilized at more than 200,000 stores and cafés the country over.

Other than the individuals who are early connectors, most customers may be very much encouraged to adopt a reflective strategy as Apple decides how to enroll more vendors and bring the assistance all the more completely to the majority.

Apple Pay Smartwatch

The most recent advancement of trading esteem is Apple Pay and others like it. Apple Pay is much simpler to use than credit and charge cards, and it requires no thinking to roll out an improvement. Thus, I utilize this as a delineation that adjusting to change can turn out to be simple and programmed, assuming you know the key to how we people are really made to acknowledge the change effortlessly.

How Was Apple Pay Introduced?

The service was launched during Apple’s iPhone 6 presentations on September 9, 2014. At its unveiling, Apple CEO Tim Cook labeled the magnetic stripe card payment method as faulty for its dependence on plastic cards’ “outdated and fragile magnetic interface,” “exposed numbers,” and unsafe “security codes.”

Why Was My Apple Pay Declined?

Insufficient money or a transaction limit may cause the transaction to decline, even when the digital card is still there in the Apple wallet. This is because Card PIN was mistyped at the terminal. If rejected, the App Store or iTunes Store will not accept your payment method. In addition, your payment method may be malfunctioning if you’re unable to make purchases or download new versions of your applications, even if they are free.

Fix this by either adding a new payment method or modifying your payment details. To put it simply: Apple Pay serves as an intermediary between your bank (or card issuer) and the merchants you shop at. If you’re encountering Payment Declined troubles, I’ll go through all of the likely causes and help you figure out what’s going on.

Probable reasons why the transaction is failing despite being present in Apple’s Wallet are as follows:

1. Temporarily, your actual credit card has been blocked.

2. Insufficient money or a limit on your card or transaction account prevents you from making the purchase.

3. At the terminal, an incorrect PIN has been entered.

4. This terminal does not support contactless payments.

Check your account balance:

Individuals are subject to payment limits. After proving your identification, the maximum Apple Cash sum you may have is $20,000. The most you can have in Apple Cash is $4,000 if you’re a member of the Apple Cash Family. 

How To Check Your Balance In Apple Pay?

Apple Pay Declining - How to Fix It?

1. Open the Settings application.

2. Select Wallet & Apple Pay from the drop-down menu.

3. The Info tab may be found by tapping Apple Card.

4. APR, Credit Limit, Amount Available, and Amount Due are shown below in the Credit Balance section.

Make sure your finances are in order:

Insufficient funds on a card are another typical cause for a payment to be rejected. As a result, make sure you have enough cash on hand to pay for your purchases. 

What Does It Mean When Apple Pay Says Pending?

“Pending” status on your transaction signifies that the recipient has not yet accepted your funds, and you should proceed with caution. After transferring money, it will appear in the Wallet app as “pending” until the recipient gets it. If you’ve connected a debit or credit card to your Apple Cash account, or if you’ve received payments from other individuals, the money you’re transferring will be withdrawn from that account. 

Apple Pay transactions that have not yet been completed may be canceled.” 

Get into your Messages app and click on “Payment.” You may also see your transaction history if you’d like. Check the Status box once you’ve tapped the Payment to view its specifics. Finally, select Cancel Payment from the Payments menu.

Why Does My Apple Pay Not Work When I Have Money?

A low battery or a business that does not support Apple Pay are two of the most prevalent reasons why Apple Pay does not function when you have money in it.

1. You May Not Have An Issue With Apple Pay If The Servers Are Online

 If the Apple Pay servers are unavailable due to technical difficulties, it is not your iPhone’s fault. Wait for the service to be resumed if this is the case. 

In order to use the Apple System Status screen, search for a green circle next to the service’s name to see whether Apple Pay is suffering an outage. If a green process shows surrounding the service’s status, it may be ruled out as a cause of the failure. You have the choice to seek an alternative solution.

2. Check To See Whether Apple Pay Is Accepted 

Apple Pay may not be operating at a specific terminal at the business if it agrees with the payment method. Whether you encounter this problem, check if another terminal is available. For future transactions, keep in mind the location of the airport that takes Apple Pay after you’ve discovered it.

3. Enter Your Credit Or Debit Card Information And Click The “Select Card” Button 

Even if you’re at a functional terminal with Apple Pay enabled on your phone, there may be troubles. If you can’t use Apple Pay with your iPhone held up, go to the Wallet app and manually select a credit card. 

4. The First Step Is To Recharge Your iPhone’s Battery

Several functions on the iPhone are disabled to conserve power when the battery is low—typically 10% or less. So charge your iPhone completely before heading out to the store.

5. Add Or Remove The Credit Or Debit Card By Following These Steps 

You may be having trouble using an Apple Pay credit or debit card. Changing your credit card information might cause this issue if Apple Pay doesn’t reflect the new information promptly. This may be remedied by deleting and re-entering the card information.

6. Verify That You’re Using An Apple Pay-Compatible Device 

Apple Pay is only available on newer Apple devices and does not function with older models. Except for the iPhone 5S, Apple Pay is only compatible with iPhones with Face ID or Touch ID. Like Touch ID and Face ID, Apple Pay only works with Touch ID or Face ID-enabled iPad Pro, Air, and iPad models. You should make sure that your Apple Pay-enabled gadget is up to date. 

7. Close The Wallet App On Your iPhone:

Apps may stop or become unusable. Restarting the Apple Wallet app may resolve an issue with Apple Pay.

When Using Apple Pay, Why Am I Seeing An “Incorrect Merchant Info” Warning Message?  

If you use Apple Pay, you’ve likely seen an “incorrect merchant information” error at some time. Unfortunately, it seems to be a pretty widespread problem. This mistake may occur while reporting transaction declined: Merchant data is incorrect. This error indicates that your payment processor is malfunctioning.

Now that Apple Pay has ceased operating, all purchases made on an iPhone using Apple Pay are denied, even if the actual card attached to the phone works well. Upon more investigation, I discovered that the problem was caused by “incorrect merchant information,” which had previously made no sense to me.

Aside from the occasional delay due to heavy traffic, they were unaware of the fault, and their side was operating. Thank glad I was able to “fix” the problem. Remove and re-add the card to the wallet app to do this. If it worked for me, it’s probably going to work for you, too. Before contacting your bank, at the very least, try this method out. This may save you some time on the phone.

As a result, go to Settings/Apple Pay, press the card causing the problem, and then hit Remove card. In my situation, I was encouraged to add it back to the card by a reminder from the app.

The act of clicking on a popup message.

Apple Pay Declined But Charged

If Apple Pay has refused, but you’re still being charged for it, you’ll need to contact your bank to have the issue resolved. Because Apple Pay acts as a conduit between the card issuer and the businesses, this is the case.

There are ways to make a complaint if you’ve been overcharged, such as calling your bank or credit card company. In most cases, you’ll receive your money returned in 10-15 business days, depending on your bank or card issuer.

Cancelling Apple Pay: What Should You Do?

Apple Pay Declining - How to know the possible reasons

When an Apple Pay transaction is rejected.

This is a list of things you’ll want to pay attention to:

Of course, the first thing is to make sure that your debit card is operating correctly before proceeding with this procedure.

Make sure you have enough money in your bank account to cover your vacation costs. And thirdly, Make sure you haven’t crossed the boundaries of your abilities.

If all three of the criteria mentioned above are met, the problem may stem from your credit card company. Getting help from your bank is easy.

Why Is My Bank Declining Apple Pay?

If your bank is refusing to accept Apple Pay, it may be because of one of the following reasons:

1. Your debit or credit card should be functioning.

2. Make sure you have enough money on your card to purchase.

3. Specific terminals may demand a PIN, and if you input the incorrect PIN, your payments may be rejected.

Contact your bank if everything seems OK, and they can help you resolve the problem quickly. However, I’m confident that they’ll come up with a solution to this problem.

How Come I Can’t Use Apple Pay On My Macbook Pro? 

When Apple Pay isn’t working on your Mac, there are various possibilities:

1. A pending update on your Mac dramatically increases the likelihood that Apple Pay will not function. As a result, ensure your Mac is running the most recent version of its software.

2. Deactivated credit cards will not work with Apple Pay on Macs.

3. Apple Pay will not operate on your Mac if your internet connection is unstable. Then, check sure your Internet connection is reliable.

Why Does Uber Not Accept Apple Pay? 

Uber is a technological business whose purpose is to aid the power mobility of both people and staff. To do this, we leverage proprietary technology to construct and operate multisided platforms that provide a range of services to users, including linking service providers with prospective clients.

We link customers searching for rides with providers of ride services who run their own independent companies, as well as with alternative types of mobility, like public transit, bikes, and scooters.

It’s possible that your Apple Pay isn’t working with Uber for one of these reasons. 

1. Free Space Or Wait For A Few Minutes

Force-quit and restart your app to see if it helps. You may also free up space on your phone by deleting applications you no longer use or require. If none of these methods work, you may always uninstall the software and reinstall the most recent version. When Apple Pay fails to function on your Uber, just wait a few minutes, and it will usually resume operating when that period has passed.

If Apple Pay Is Not Working, Then How To Fix It Quickly?

How to fix Apple Pay Not Working

Apple Pay is gaining in popularity as a convenient modern-day option. When it comes to making purchases, NFC technology in your iPhone is becoming more widespread, making it the quickest and most secure payment method (alongside wireless chip cards).

There are occasions when Apple Pay doesn’t function at all. If you’re having issues with Apple Pay not working, we’re here to walk you through the most frequent (and less common) workarounds for this.

Review Apple Pay’s Current Status In More Detail

If Apple Pay doesn’t function on your iPhone or iPad, the first thing you may think of is a problem with the device itself. Apple Pay’s backend web service may be presently offline. A few minutes of waiting may be enough if this is the case. It doesn’t matter whether you believe it or not, and there is some good news for sure. The Apple System Status page can tell you whether the Apple Pay service has any issues. If that page indicates that Apple Pay is working correctly, you may go to the next tip.

Change The Reader You’re Using

We assume that you’ve previously verified for Apple Pay transactions to see whether the shop accepts Apple Pay before proceeding. Then again, you may have issues at specific terminals, even if it does. This may need a trip to another airport in the shop, so keep an eye out. Use various computers if you have the opportunity to do so. Perhaps one of the terminals isn’t compatible with Apple Pay. It is a possibility. The next time you’re at that shop and see another terminal that works, keep it in mind for the future.

Keep An Eye On Apple Pay

Often, if Apple Pay isn’t functioning, it’s because something is wrong with your iPhone or iPad. Apple Pay’s backend web service may just be unavailable at this time. This might mean that you’ll have to wait a few minutes for it to come back up. Fortunately, you don’t have to worry whether that’s the case if you don’t know for sure. In the event of a problem with Apple Pay, you may check the system status page on the Apple website. Once you’ve verified that Apple Pay is working as it should, you may continue with the rest of this guide.

Is Apple Pay Safer Than Debit Cards?

What Is A Debit Card?

When opening a checking account with a bank or credit union, debit cards are standard. Using a debit card to make a withdrawal from your bank account eliminates the need to write a cheque.  Instead, the cash is promptly removed from your bank account with a debit card.

About Apple Pay

When you use Apple Pay, you can pay for things in shops, apps, and on the web quickly, securely, and privately. Apple Pay in Messages allows you to send and receive money with your loved ones (the U.S. only). When you use Apple Pay, you may use contactless reward cards in Wallet to receive and redeem rewards, which is convenient. With Apple Pay, you don’t have to worry about the security and privacy of your credit, debit, and prepaid cards.

To keep your transactions safe, Apple Pay takes advantage of security protections already present in your device’s hardware and operating system. You’ll need to set up a Face ID or Touch ID, as well as a password, in order to use Apple Pay. Alternatively, you may choose a more complicated passcode for even better protection.

Apple Pay is committed to safeguarding the privacy of its customers. Neither the user nor the merchant nor the user’s bank may be linked to any transaction information collected by this service.

In addition, Apple Pay is dedicated to protecting the privacy of the information it obtains from you. When you use Apple Pay, the credit, debit, or prepaid card details you provide are not stored or accessed by Apple in any way. Even while Apple does not save any transaction information that can be linked back to you when you use Apple Pay to pay for goods and services using a credit card, debit card, or prepaid card, you can be confident that Apple does not have access to this information.

So YES, Apple Pay is safer than a debit card.

Apple Pay Is Available In Which Countries And Regions? 

Some areas and nations don’t have access to the famous Apple Pay contactless payment technology. Here, I’ll list all the countries where Apple Pay is accepted.

  • South Africa 
  • Japan
  • Newzealand 
  • Taiwan
  • Hong Kong
  • Azerbaijan
  • Bahrain
  • Canada
  • Macao
  • Singapore
  • Brazil
  • Qatar
  • Russia
  • Ukraine 
  • China 
  • Georgia
  • United Arab Emirates
  • Colombia
  • Australia 

How secure is Apple Pay?

Using Apple Pay, you can pay for goods and services in stores, apps, and on the Internet swiftly, securely, and secretly. Apple Pay in Messages may also be used to send and receive money (the U.S. only). In addition, when you use Apple Pay, you may use contactless reward cards in Wallet to receive and spend points. With Apple Pay, you don’t have to worry about the security and privacy of your credit, debit, and prepaid cards.

Security safeguards built into your device’s hardware and software help secure your transactions with Apple Pay. Apple Pay also necessitates the use of a password and, if desired, either Face ID or Touch ID on your phone. Additionally, you have the option of using a primary passcode or a more difficult one for further protection.

Apple Pay also protects your personal information. Apple does not keep or have access to the original credit, debit, or prepaid card details you enter when you use Apple Pay. In addition, when you pay for products and services with a credit, debit, or prepaid card using Apple Pay, Apple does not store any transaction data that may be connected back to you.

Pros Of Apple Pay

Apple Pay Declining

1. Reimbursement

NFC-enabled smartphones may be used to pay for goods and services with only a few taps of the iPhone’s Touch ID sensor, which is activated by placing the phone near an NFC reader. There is no need to do all of the steps included in the traditional swipe method for credit cards:

  • Swipe the card.
  • Choose debit or credit.
  • Provide a separate form of identification.
  • Finally, sign the transaction with your signature.

2. Convenient

More payment options equate to a more convenient experience for your clients. For example, assume your target audience already has an Apple laptop or desktop computer. In that case, Apple Pay will allow them to do business with you more efficiently, reducing the time it takes for them to complete a transaction.

They will also like the convenience of Apple Pay checkout, which does not need them to input their credit card information.

3. No Internet Access Is Necessary

Apple Pay does not need a web connection for its usage. You don’t have to worry about roaming costs since it may be used everywhere. You can access it even if your phone is in airplane mode. 

4. Secure

Because there is no requirement for a credit card to be present, the risk of a stolen credit card number is decreased. Furthermore, instead of using a credit card number, Apple employs a token known as a “device account number” to make purchases, which further reduces the risk of credit card information theft. Additionally, Apple Pay is based on the EMVCo standard, which many industry professionals consider the most reliable payment method.

This service is completely free of charge…

Customers and merchants will not have to pay any fees for this new initiative from Apple. However, it consumes the bulk of current credit card transaction rates. It’s also why Apple has spent the past two years working with all the major credit card firms and banks to iron out the intricacies of this process.

5. Privacy

Customers’ purchases will not be tracked or stored by Apple. This is a more secluded location. Using device account numbers against credit cards typically makes the purchase process more private since the business does not have access to the identity or other personal information, such as the billing address associated with the transaction.

6. Low-Stakes

Retailers like Target and Home Depot have recently had credit card hacks.

 Apple Pay uses a system account number and a transaction-specific dynamic authentication token to transfer. Apple Pay avoids this by not requiring a credit card number input during the transaction process. As a result, the real credit or debit card details are never exchanged between Apple and shops or sent as part of an order.

Cons of Apple Pay

Failure of software

The execution of the payment service may be affected by a product release defect or any other issue with the installed software.


Apple Pay looks great today, but how will it perform when millions of people start using it? Whether or if an Apple Pay transaction procedure can be simply implemented in the real world is a question that has to be answered. However, there will be an effect if the adoption does not occur. Shoppers aren’t going to wait around for the iPhone to authenticate the transaction.

Acceptance And Popup Text Notifications

You’ll have to have your Wallet with you when you go shopping since not all retailers offer mobile payment terminals. After you’ve made the Payment, you may get an uncomfortable text message on your phone.


If clients and businesses don’t have an iPhone 6 and NFC terminals, it may be challenging for the app’s usage.

Fees That Are Too Expensive

Currently, there are no additional fees associated with using the service. However, what are the chances this will go on indefinitely? Credit card companies may not want to divide the payments with Apple, leading to increased merchant costs, which may deter consumers from using the service.

No Assistance With Online Shopping

Apple Pay does not enable online purchasing, but you may buy applications and other app-based items. Nevertheless, until Apple prioritizes smartphone buying or adds online purchasing shortly, the service is entirely restricted for iPhone 6 customers.


Apple Pay is an incredibly secure payment system, and you may use it to make secure payments using your iPhone or iPod touch if you have an iPhone or iPod touch with you. Thank you for reaching out to me, and I hope that my information helped fix your Apple Pay problem. If you need help, please let me know in the comments box, and I will do all in my power to assist you. If you’re interested in learning how safe Apple Pay is compared to other cashless payment systems like Google Pay, PayPal, and Samsung Pay, you can check out the following instructional.

Financial specialist co-ops or banks that give card installment acknowledgment and handling offices to a dealer are named vendor administrations. Notwithstanding, private venture dealer administrations order securing a trader record to start tolerating the payments. Furthermore, trader administrations oversee the vendor account rate. Along these lines, the whole extent of going into a base handling charge account exclusively relies on observing the right Merchant Processing Account. On the other hand, processors like Apple Pay or other outsider installment processors dispense with the requirement for vendor administrations or handling account by working on an equal channel.

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