Top 5 Reasons Why is Apple Pay Declining Your Payments? (Solutions Included)

The days when people used to carry bundles of cash in their pockets or wallets to meet their expenses are long gone. Thanks to advanced technology, things have changed for the better now. 

The bundles of cash are now replaced with credit cards and online payment methods to help people manage their finances conveniently.

Nowadays, people have busy work lives. They do not have time for physical shopping.

In that case, what helps them the most in their online shopping spree is online payment methods. In recent times, many online payment systems have emerged in the market. However, only a few could gain the target audience’s trust.

One of the reliable and trustworthy online payment systems that have been appreciated by people the most is Apple Pay. Apply Pay is a sign that makes people believe they are part of the future world.

Rather than looking for a wallet full of cash or plastic credit cards, you can make payments through the same phone used for texting, calling, and watching Youtube videos.

Apply Pay was launched in 2014 but did not gain much popularity for a few years.

However, Thanks to the COVID-19 pandemic, Apply Pay and many other contactless payment methods became immensely popular.

It has made the lives of Apple gadget owners quite easier. Apple Pay help streamline the life and pockets of Apple users.

However, when Apple Pay is not working, it can destroy your whole day. Many Apple users have complained about their Apply Pay transactions declining for no particular reason.

It causes them a great amount of stress. Do you fall in a similar category? Read this article to learn about the major issues why your Apply Pay payments decline, along with their quick fixes!

What is Apple Pay?

While many people have heard about Apply Pay, most are quite unfamiliar with what it is and how it works.

Apply Pay is Apple’s digital wallet or online payment system that allows users to make secure and contactless payments at retailers all across the globe using Apple devices like iPhone, Watch, or iPad.

With Apple Pay, users can make in-store or online transactions with their iPhones, Apple Watch, or iPad in a few seconds.

Not only is it a convenient payment method, but it also ensures secure transactions.

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The working model of Apple Pay does not collect transaction data like what a user bought, where they bought it, and how much it cost.

Also, the Apple Pay card number is tokenized, which cannot be used again. Therefore, with Apply Pay, there are minimum risks associated as your sensitive data remains the safest.

Why Does Apply Pay Decline Your Payments?

Apple Pay is undoubtedly one of the quickest and simplest ways to make payments and withdraw cash using your iPhone, Apple Watch, or iPad.

However, since Apple Pay is an online payment system, sometimes things can go wrong, resulting in declined Apple Pay payments.

It can be quite a frustrating experience for Apple users. Most Apple users often wonder why their Apple Pay payments decline. Do you wonder too?

Here are a few major reasons why your Apply Pay payments decline, along with some troubleshooting tips.

Poor Connection

All online payment methods require a steady internet connection to work perfectly. Therefore, having a poor connection can be one of the most common reasons for declined Apple Pay payments.

However, three servers are involved when making a payment on Apple Pay: your device, the Apple Pay server, and the recipient’s server.

Therefore, the poor connection from any server can result in Apple Pay payment getting declined.

While you cannot do much about Apply Pay server or the recipient’s server, you can still ensure that your connection is always strong when making Apple Pay payments.

You must check your internet connection if your Apple Pay payment does not go through.

Here are a few simple tips to ensure a steady internet connection when making Apple Pay payments.

  • Reset your internet connection to fix any possible network glitches and maximize internet speed.
  • Move closer to the location where the router is placed.
  • Keep your network secure by setting a strong password.
  • Avoid network overload by taking some devices off the network that you are not using at that time.

Card Declined

Apple Pay also requires users to link their bank accounts or credit cards like other online payment systems. However, sometimes the card information you provided to Apply Pay can be wrong, resulting in declined Apple Pay payments.

Also, if your card has reached its expiry date, your Apply Pay payments may get declined in that case.

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Therefore, to resolve this issue, you must ensure that all the payment methods and billing information are up to date.

Otherwise, your Apple Pay payments will keep declining until you update your payment method.

To change or update your payment method information, follow the steps mentioned below:

  • Open the “Settings” on your iPhone, iPad, or iPad.
  • Tap on your name in the Settings.
  • Click “Payment and Shipping” and confirm your Apple ID and password to proceed further.
  •  Select the payment method that you want to update. Check your name and card number to make sure that they are typed correctly.
  • If you have found any mistakes, you can click on the “Edit” button to make changes.
  • Once you have updated the details, click the “Done” button to save the changes.

However, sometimes even after providing up-to-date payment methods and billing information, Apple Pay payments do not go through. In that case, the issue could be your current payment method.

Therefore, by adding a new payment method to your Apple Pay account, you might be able to fix the issue.

Not sure how to do that? Here are a few steps you need to follow to add a new payment method to your Apple Pay account:

  • Open the “Settings” on your Apple gadgets like iPhone, iPad, or iPod.
  • Click on “iTunes and App Store” and tap on your “Apple ID.”
  • Click on “View Apple ID” and enter your password if asked.
  • Go to “Manage Payments” and click “Add Payment Method.”
  • Enter the required details of your new payment method.
  • Once you have entered all the details, click on the “Done” button located on the top right.

Transaction Limit Issues

Banks and credit card unions offer a great amount of convenience to people. However, it still restricts people by putting transaction limits on their bank accounts and credit cards.

Therefore, surpassing your transaction limit can also be one of the reasons why your Apple Pay payments are getting declined.

Suppose the credit card linked to your Apple Pay has a monthly limit of $1000, and you are trying to make a purchase worth $1500.

In that case, your Apple Pay payment will not go through even if you have sufficient funds to make that purchase.

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Therefore, you must operate within the limit to avoid declining your Apple Pay payments.

Bank Account or Credit Card Issues

Banks and credit card unions have strict privacy protocols to keep their users’ transactions secure. If they suspect any fraudulent activity in your bank account or credit card, they might temporarily disable your bank account or credit card.

Also, if they suspect that you do not make the Apple Pay payment for any reason, they may not allow it to go through.

Therefore, if your Apply Pay payments are not going through, even with an updated payment method and a steady internet connection, it is better to contact your bank or credit card issuer.

They will guide you further and suggest possible solutions to resolve the issue.

Unpaid Purchases

Do you have any unpaid purchases? If yes, you will not be able to make new purchases using your Apple Pay.

Unpaid purchases can also be one of the reasons why your Apple Pay payments keep on declining.

However, now you must be wondering how you can know whether you have any unpaid purchases or not. To check for unpaid purchases, follow the steps mentioned below:

  • Open the “Settings” on your iPhone, iPad, or iPod.
  • Go to “iTunes and App Store” and tap on your “Apple ID.”
  • Click on the “View Apple ID” option and enter your Apple ID password.
  • Scroll down to find “Purchase History.” Once you find it, click on it.
  • A list of your purchase will appear on the screen. Unpaid purchases will be listed under pending status.


Apple Pay is undoubtedly one of the easiest and most convenient online payment systems. However, like other online payment methods, there is a chance that Apple Pay might also not always work perfectly.

While Apple might not have much to do with it, many other factors can cause issues with your Apple Pay payments.

We have listed some of the most common issues that can cause your Apple Payment to decline, along with their quick fixes.

However, if the problem persists, it is better to contact Apple Pay customer support service. An Apple specialist will help you resolve the issue in no time!