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wheb I go to pay for something in a app I’t says they can’t process it yet
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Check this first:
You need to have a good Service & Wi-Fi.
If they are On, turn Off Hotspot & VPN.
Charge the battery > 70%.
See also -> If you can't connect to the App Store, iTunes Store, or other Apple services
If you can't connect to the App Store, iTunes Store, or other Apple services - Apple Support
-> If you tried all of the above steps and you still can’t connect, contact Apple Support.