- Check your internet connection
- Check your Apple Pay balance
- Check if the purchase is within your daily/weekly/monthly spending limit
- Check if the purchase is within your credit limit
- Check the merchant’s acceptance of Apple Pay
- Check if you’ve reached your limit of transactions
- Check the status of your Apple Pay account
If you’re having using apple pay make sure you’re using a supported card and that you have the latest version of iOS.
Checkout this video:
Check your internet connection
If you’using apple pay with your iPhone or iPad, make sure that Location Services is turned on for Safari in Settings > Privacy > Location Services.
Check your Apple Pay balance
One of the first things you should do if your Apple Pay is declining is to check your balance. If you have a wallet with multiple cards, each card has its own balance. You can check the balance of each card by opening the Wallet app and selecting the card. The balance is listed under the card number.
If your Apple Pay is set up with multiple cards and one of the cards has a zero balance, it doesn’t mean that your whole Apple Pay account has a zero balance. It just means that one of the cards doesn’t have any funds available at the moment.
If you don’t have enough funds in your Apple Pay account to cover a purchase, you can add money to your account using a debit or credit card.
Check if the purchase is within your daily/weekly/monthly spending limit
If you’re trying to make a purchase but Apple Pay is declining your card, there are a few things you can check.
First, see if the purchase is within your daily/weekly/monthly spending limit. If it’s close to or over your limit, Apple Pay may decline the card.
You can also check to see if you have enough funds in your account to cover the purchase. If you don’t, Apple Pay may decline the card.
Finally, make sure that your billing address and contact information are up to date in the Wallet app. If they’re not, Apple Pay won’t be able to verify your identity and the payment will be declined.
Check if the purchase is within your credit limit
If you’re trying use apple pay on your iPhone or iPad and the transaction is declined, there might be a problem with your financial institution.
If you’re using Apple Pay to make a purchase in a store, make sure that you’re using the device that you added your credit or debit card to.
To check if the purchase is within your credit limit, check your credit card balance or contact your financial institution.
Check the merchant’s acceptance of Apple Pay
Make sure that you’re using Apple Pay at a merchant that accepts it. Look for one of these symbols at checkout:
On the Web:
If you don’t see one of these symbols and Apple Pay is turned on, the merchant might not accept Apple Pay. You can also ask the cashier.
Check if you’ve reached your limit of transactions
If you see a message that says “Transaction limit reached,” your card might have a limit on the number of transactions you can make in a day.
To check if your card has a limit:
Go to Settings > Wallet & Apple Pay.
Tap your card.
If you don’t see a limit, contact your card issuer to ask about charges that might be declined because of daily limits.
Check the status of your Apple Pay account
If you’re trying use apple pay and see a “Transaction declined” message in Wallet or Safari, it might be because:
-Your card’s issuer might need additional information to verify your identity.
-Your bank or card issuer might limit the amount of money that you can spend with Apple Pay. You might need to authorize purchases with your bank or card issuer to continue using Apple Pay.
-You might have reached your daily spending limit with your bank or card issuer.
-Your bank or card issuer might not allow certain types of transactions. For example, some banks don’t allow cash advances with Apple Pay.
-There might be an issue with the payment network that your card uses for transactions.