Q: Your payment method was declined

the card was stopped by the bank as it did not recognise the protocol used by apple, everyone that takes payments must adhere to each individual banks protocols, for some reason apple have broken the protocol and my bank suspected it was fraudulent. this was due to apple trying 10 times to take 69p from my account, which my bank has confirmed there is no issue with, and the card was not on stop when they made these attempts and in credit as well. i have used this card on this account for 3 years without a problem, then we get a new IOS and it goes haywire.

So what you are saying is that your bank declined transaction from apple 10 times and now blames apple for it.

I would lose that bank and take another card in a moment.

Well I actually know quite a bit about this, my ex used to implliment the card protocols for HP and Palm.

If the request for funds does not match the banks protocols the request will be refused, this happens at any bank, building society etc. there is an industry standard and everyone that uses card transactions must comply with it.

now if you read back I have used this card on numerous occasions on this I tunes account without issue. also look at others posts, some have had to make new iTunes accounts as they could not get this resolved. my card is held with various places, amazon, play.com etc without issue.

Apple have just e-mailed me this "the issue is that the bank is not accepting the authorization request from iTunes" which means that for some reason the request that they are making is not valid, this has been confirmed by the fraud department of my bank. They are saying that the requests are not following set protocol and the security information is incorrect which is why they are rejecting the request for funds. basically I bought a 69p app and Apple cannot take the funds. now the bigger issue is that apple wont let me update my card details as its saing that the the payment method is invalid.

Without these protocols in place, anyone who has your card details can just request funds and empty your bank.

So your bank declining payment to itunes does not bother you, you just here to fix apple's billing protocols. Got it. Good luck.

No it doesnt, I dont get the line of questioning, are you just trying to wind me up or something?

If every single other payment from my card goes through but theres all of a sudden a problem with Apple it doesnt take a genius after everyone else that has had the same issue to realise that its a fault with Apple, not my card or bank....

Now if you havent anything constructive to say on the subject, or informative can you please leave the subject alone?

Don't know about anybody else but I managed to solve this problem myself. As there was not enough money in my bank account, so just transferred some money over and the payment went through :) and I could use my apps and update things again! Don't know if anyone else found this out but hope this helps as it is not one of the answers apple gives you!

I just found out that is the same reason my bank was not accepting iTunes charges unless the person who has the account requested to be put on an exceptions list the bank has. I wish iTunes would put this reason on there but I know they won't because of the reason the banks block iTunes.

Check with your bank. They may have a block on all iTunes charges for all accounts the bank has because iTunes was fraudently trying to charge customers. My bank has an exception list and I had to be put on it to be able to purchase iTunes apps or songs.

The e-mail I got back from them was that "It appears that we have incorrect information on file for you" or in other words something went wrong their end and they needed me to update the details they had that were already correct. all I did was update my card details, basically expiry date and 3 digit number on the back of the card and and hey presto......all this hassle for 69p. the day i do not have 69p in my bank will be the day i sell my iPhone!

Or the day you provide someone with incorrect credit card info in order for them not to be able to charge you.

I can't even update already paid for apps or get free apps without saying my billing method is declined , there's no reason for this there seems to be no way to fix it and it seems buying anything of apple even this inew iPad is a waste of money

Itunes and app store being a monopoly controls your updates. I am not in a position to judge if that is fear or not, but if you owed me one penny, I would stop any support until get paid. Welcome to the world of Apple.

Hi, not sure if this thread is where I should be. But lately I have had problems declining my card I do not use and will not use my debit card with I tunes. So I use Halifax easycash.

Anyway I kept getting a declined message and please put in your security code it never worked after constantly entering details, so I read on the forum somewhere if you deposit a small amount ie I put in £5 and it worked so now have updated all my apps which are free, so I think you should have at least £1 to make it work.

My tip would be use a cash card not your debit or credit card so no extra money may be taken.

You have to set a limit on the Internet accounts for just any amount.

After about two years of buying Apps, my card got suddenly declined when gifting someone! I can still purchase Apps through iTunes Gift Cards for myself, but I am unable to gift anyone with my Payment Method left blank!

What gives?