I have gone back and forth with my bank and with Visa and I keep getting the runaround

Reasons your payment card may be declined

1. Account suspended for suspected fraud.

2. Address in your iTunes account does not match exactly the billing address for the card

3. Error in credit card number

4. Insufficient balance or you still owe money on a subscription

5. The card was not issued in the country of the iTunes store

6. Wrong expiration date

7. Wrong security (CVV) code

8. You are connected through a VPN provider that makes iTunes think you live elsewhere - uninstall VPN

9. You live in Russian Federation or use Russian banks or cards

Here is additional information from Apple if your payment method is declined.

https://support.apple.com/en-us/HT203005

I did about 40 months ago.

Reps from Bank, Apple, and Visa all insisted that the problem "wasn't us."

Eventually started "in-person pestering" of bank's local branch manager every week or so.

An ApplePay user herself, she persevered and eventually found the RIGHT guy in the Bank's IT department who fixed it.

YMMV.

My own assessment is that the process usually works so well "in auto" ... that few know what to do when it "breaks."

Sorry:

Yes ... although "fault" may be too perjorative a word ...

But it DID require the Bank's IT department to fix something in THEIR systems to allow the "automatic" system to function normally.

My impression was that he was THE guy who had worked-thru the original ApplePay integration and ACTUALLY knew how all the individual pieces worked.

My Visa payments were working until a few days ago, now suddenly authentication does not go through. Just to be clear, it is not declined, there is some connection issue. I contacted by credit card provider and confirmed nothing wrong with my Visa status. I contacted Apple, where we tested the payment works with another credit company, so your verdict is not an Apple issue. I can use my Visa credit for other purchases, only not for Apple. Therefore, in my perspective, it is Apple's issue to resolve. The support only follows due process without escalating to a more senior profile or developer - for Apple's standards, I find this pathetic...

Re: “… Therefore, in my perspective, it is Apple's issue to resolve … “

The reality is that nobody knows at present …

…however if other cards in your wallet DO work on Apple pay, that might indeed seem to point toward a tech issue within your bank.

(FWIW, that was also my own personal experience as well)

I suspect that you’ll have more influence working with your bank given their smaller customer base AND because they have a significant financial interest in YOU using THEIR card.

Of course, YMMV but …

… my bank went so far as issuing a completely different card w/ a completely new/different account.

When THAT card wouldn’t provision into wallet, it sorta “focused” them on tracking-down and resolving the underlying culprit(s). (which BTW was never revealed to me).

So it was the bank's fault? Just extrapolating from where the story stopped.

Good enough for me, It was the bank's fault.

BTW Congratulations on Level 6. Pop over to the Water Cooler if you have not already.