I can see my card in Apple Wallet but my transaction is declining, why? (2024)

FAQs

I can see my card in Apple Wallet but my transaction is declining, why? ›

Your card or the transaction account has insufficient funds or limit for the transaction. An incorrect card PIN has been entered at the terminal. The terminal does not support contactless payments.

Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.

There are a number of reasons the charge or verification might be declined: Apple is not allowed to accept credit or debit cards in your country. The card is not recognized in your country. Insufficient balance or account in arrears.

Pending transactions might not show in the Wallet app depending on the card issuer. If your balances aren't updating, make sure that Fetch Data is turned on.

To check recent transactions on your iPhone, open the Settings app on your iPhone and select 'Wallet & Apple Pay', the card, and 'Transactions'. You will be able to see the last ten transactions including refunds and declines however, there may be a delay in transactions showing up in the Wallet transaction history.

Some possible reasons for why the transaction is declining even though the digital card still appears in the Apple wallet include: Your card has been temporarily locked. Your card or the transaction account has insufficient funds or limit for the transaction. An incorrect card PIN has been entered at the terminal.

Sometimes a transaction is declined because of insufficient funds. Check your account to make sure that you have enough to complete the purchase.

Contact your card issuer to see if they support Apple Pay. Update to the latest version of iOS, watchOS, macOS, or visionOS. Confirm that you have Face ID, Touch ID, Optic ID, or a passcode set on your device. Make sure that you are in a supported country or region.

You may need to remove and re-add your payment method to make sure you entered the information correctly. If your billing address doesn't match your payment method, the ZIP code is incorrect, or you're trying to use an expired card, you'll see a "Payment Not Completed" error.

Please call 1-800-MY-APPLE and speak to an Apple Specialist for more information.

Why is my Apple Wallet not processing payments? ›

One common issue is that the billing information held by Apple Pay doesn't match that held by your bank. To check your card information, go to Settings and tap your name, then Payment & Shipping. Tap the payment method you're trying to use to check and update your information if needed².

Delays are often caused by your and the seller's banks operating on slightly different time frames, or by minor technical issues which are almost always quickly dealt with. Banks call these types of instant transactions 'memo posts' or 'pending' transactions.

All you'll need to enter is the 3 digit CVV security code and the bank will verify the card/account again and it will be added to your Wallet App. The transaction will appear within the next 24 to 72 hours.

Insufficient balance or account in arrears. Account suspended for suspected fraud (not necessarily by you) Error in card number. Wrong expiration date.

There are several reasons why a debit card may be declined even if you have money in your account. Common reasons include travel and reaching your daily purchase limit. Stay on top of your cards and consider using budgeting apps to help avoid debit card denial.

Declined (Card declined by issuer - contact card issuer to determine reason.) This usually happens due to one of these reasons: The customer's credit card issuing bank did not approve the transaction. This could be due to insufficient funds, frozen account status, invalid credit card number or expiration date, etc.

If your transaction was declined, most banks will still hold the charge as “pending.” Most pending charges disappear in around 5 days or less, though some institutions ask cardholders to allow up to 7 days to process charges.

If you recently activated your card and this is the first use, it is possible the activation process was not fully completed. The card provider may need to manually activate the card. Often, your card is declined for your protection to prevent fraudulent purchases.

Prepaid cards can be declined because you don't have sufficient funds in your account, the card hasn't been activated, the merchant doesn't accept the network's cards, or you have exceeded your spending limits. Any information you provide to the merchant must also match what's on file with the prepaid card issuer.