My Credit Card works but it gets declined by Apple ID payment method

From your description the most likely cause is if you are using VPN, or even if you just have a VPN profile installed in Settings/General/VPN & Device Management/VPN.

I’ve already posted the other things to check in this thread, but here they are again:

A “payment declined” or “card declined" message means that the issuer of the credit or debit card you have on file in your iTunes account rejected a charge or account confirmation. It is not an Apple problem; Apple is just passing through the message from your issuer. 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
• Account suspended for suspected fraud (not necessarily by you)
• Error in card number
• Wrong expiration date
• Wrong security (CVV) code
• Address in your iTunes account does not match exactly the billing address for the card
• If you are trying to add the card to the Apple Wallet the issuer doesn't support the Wallet
• The card was not issued in the region of the iTunes store
• You are connected through a VPN provider that does not terminate near your actual location.

Here is additional information from Apple→If your payment method is declined in the App Store or iTunes Store - Apple Support

Related issues for specific messages:

• If a message says 'billing problem with previous purchase' or 'verification required'
• Your account has been disabled in the App Store and iTunes

Mikelz54 wrote:

This is clearly an Apple problem.

No, it is not an Apple problem. The card you use for the iTunes and App Store has absolutely no connection with cards in Apple Pay. It may be the same card by your choice, but it is still a completely independent transaction, and the standards for it are different than the standards for cards in Apple Pay.

A “payment declined” or “card declined" message means that the issuer of the credit or debit card you have on file in your iTunes account rejected a charge or account confirmation. It is not an Apple problem; Apple is just passing through the message from your issuer. 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
• Account suspended for suspected fraud (not necessarily by you)
• Error in card number
• Wrong expiration date
• Wrong security (CVV) code
• Address in your iTunes account does not match the billing address for the card
• The card was not issued in the region of the iTunes store
• You are connected through a VPN provider that does not terminate near your actual location.

Here is additional information from Apple→If your payment method is declined in the App Store or iTunes Store - Apple Support

A “payment declined” or “card declined" message means that the issuer of the credit or debit card you have on file in your iTunes account rejected a charge or account confirmation. It is not an Apple problem; Apple is just passing through the message from your issuer. 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
• Account suspended for suspected fraud (not necessarily by you)
• Error in card number
• Wrong expiration date
• Wrong security (CVV) code
• Address in your iTunes account does not match exactly the billing address for the card
• The card was not issued in the country of the iTunes store
• You are connected through a VPN provider that does not terminate in the country or region of the iTunes store you are connected to.

Here is additional information from Apple→If your payment method is declined in the App Store or iTunes Store - Apple Support

Related issues for specific messages:

• If a message says 'billing problem with previous purchase' or 'verification required'
• Your account has been disabled in the App Store and iTunes

No, it is NOT an Apple issue. A “payment declined” or “card declined" message means that the issuer of the credit or debit card you have on file in your iTunes account rejected a charge or account confirmation. It is not an Apple problem; Apple is just passing through the message from your issuer. 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
• Account suspended for suspected fraud (not necessarily by you)
• Error in card number
• Wrong expiration date
• Wrong security (CVV) code
• Address in your iTunes account does not match exactly the billing address for the card
• If you are trying to add the card to the Apple Wallet the issuer doesn't support the Wallet
• The card was not issued in the region of the iTunes store
• You are connected through a VPN provider that does not terminate in the country or region of the iTunes store you are connected to.

Here is additional information from Apple→If your payment method is declined in the App Store or iTunes Store - Apple Support

Related issues for specific messages:

• If a message says 'billing problem with previous purchase' or 'verification required'
• Your account has been disabled in the App Store and iTunes

THIS. IS. NOT. AN. APPLE. ISSUE.

If there was no record of an attempt to charge the card that means that the charge request never got to the issuer. Either you’ve got a problem with your cellular data connection, or you have a settings error.

FIRST: Are you talking about using your card in your Apple ID to purchase apps or music, or using it in your Wallet to use in a store?

Have you followed the troubleshooting steps I posted on the previous page of this thread? Here they are again:

A “payment declined” or “card declined" message means that the issuer of the credit or debit card you have on file in your iTunes account rejected a charge or account confirmation. It is not an Apple problem; Apple is just passing through the message from your issuer. 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
• Account suspended for suspected fraud (not necessarily by you)
• Error in card number
• Wrong expiration date
• Wrong security (CVV) code
• Address in your iTunes account does not match exactly the billing address for the card
• If you are trying to add the card to the Apple Wallet the issuer doesn't support the Wallet
• The card was not issued in the region of the iTunes store
• You are connected through a VPN provider that does not terminate near your actual location.

kept getting apple pay declined the card in my wallet that in the past i was able to make years of apple pay transactions with. it suddenly stopped working these past 2 weeks when i use apple pay. I double-checked wallet settings and card details with issuer. my country is usa. No vpn. not expired. cc details are correct. no fraud. not locked. The card works fine online web payments and in stores terminals. Transactions never made it to issuer. transactions get declined in apple pay, not issuer. The issuer has no records of declined transactions. I updated ios, and checked over everything again, and still got declined apple pay transactions, even after updating ios.

so the resolution is: I removed the card from wallet, and added it back again to apple pay wallet by means of using the card issuer’s app. now it works again. I can use the card in wallet for apple pay.

I fixed this. My card was the only payment method I had set up so I couldn’t remove it. I temporarily set up PayPal as a payment method, removed my card, added it back again then removed Paypal and the card now works.

John4v1Mess wrote:

Same here. It Is An APPLE Problem and the sooner they accept this and fix their problem the better.

Given that you believe it is an Apple problem, what did Apple say when you contacted them? That is the ONLY way you can get this resolved; posting in a user to user forum accomplishes nothing. And lets' be clear: it is a problem with YOUR Apple account, not a global problem that affects 2 billion users.

Apple’s formal support can be reached several ways:

• Click on “Support” at the top or bottom of this page
• Go to Contact Official Apple Support

Note that both of the above have options to receive a callback or chat

• Install the Apple Support app on your iPhone or iPad - you can contact support directly from the app, and the tech will have (with your permission) access to diagnostic data on your phone
• Call Apple Support; the phone numbers are in this link→Contact Apple for support and service - Apple Support
• Make a Genius Bar appointment at an Apple Store→Genius Bar Reservation and Apple Support Options - Apple
• Find an Apple store or Apple partner service provider→Find Locations

John4v1Mess wrote:

Me also. Apple need to sort this out and not treat us like fools.

As I already told you, Apple isn’t going to sort anything out unless you ask them to. Posting in this user-to-user forum is NOT a way to contact Apple.

But if you want to try to sort it out yourself, here are most of the reasons a card can 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
• Account suspended for suspected fraud (not necessarily by you)
• Error in card number
• Wrong expiration date
• Wrong security (CVV) code
• Address in your iTunes account does not match exactly the billing address for the card
• If you are trying to add the card to the Apple Wallet the issuer doesn't support the Wallet
• The card was not issued in the region of the iTunes store
• You are connected through a VPN provider that does not terminate near your actual location.

Here is additional information from Apple→If your payment method is declined in the App Store or iTunes Store - Apple Support

Related issues for specific messages:

• If a message says 'billing problem with previous purchase' or 'verification required'
• Your account has been disabled in the App Store and iTunes

A “card declined" message means that the issuer of the credit or debit card you have on file in your iTunes account rejected a charge or account confirmation. It is not an Apple problem; Apple is just passing through the message from your issuer. There are a number of reasons the charge or verification might be declined:

• The card is not recognized in your country
• Insufficient balance or account in arrears
• Account suspended for suspected fraud (not necessarily by you)
• Error in card number
• Wrong expiration date
• Wrong security (CVV) code
• You are connected through a VPN provider that does not terminate near your actual location.

You need to contact the card issuer and ask why they rejected the charge; they are the one who rejected it, not the Apple Wallet.

Do you have an Apple ID? That is your iTunes/iCloud account also. As Apple Pay will not work without an Apple ID you must have one. Go to https://appleid.apple.com and verify the address.

Another possibility: Do you use VPN? If so, delete the VPN profile in Settings/General/VPN & Device Management/VPN.

Hi Lawrence.

Your blind insistence that this is not an Apple problem is irritating and flies in the face of plenty of evidence to support that it is an Apple problem.

1 my card was “declined” when I tried to upgrade iCloud storage.

2 I called my bank. It’s a private bank and the people on the phone are extremely knowledgeable. Apple was making a partial request but not completing the transaction.

3 The card was the only payment method on the iCloud account so I couldn’t remove it.

4 I added Paypal as a payment method and removed my card

5 I added the same card back again and removed PayPal

6 While on the phone to my bank I tried again. They confirmed that both stages of the payment authorisation went through.

7 It worked.

8 I have the same card set up on other systems- it worked every time for them with no break in service.

If it walks like an Apple problem and quacks like an Apple problem, it’s an Apple problem. Please stop misleading people with rubbish about bank and VPN problems.

This is not a bank card problem it is an Apple problem. I just tried to upgrade my iCloud storage on iOS and keep getting a payment declined message. I called my bank and they fold me that they did not get a full request for authorisation from Apple. My bank uses 2 factor for charges the instruction from Apple is not using that. I'm was working fine before iOS was upgraded. The card does not fail under any other use.

Same issue. Card payments declined using Safari (and verified card payment in card app) but payments successful using Chrome

seems to be an Apple/Safari issue to me

Multiple vendors, no VPN and all payments go through when switching to Chrome

issue definitely with Safari/Apple