My Apple ID payment method was declined and verification failed.

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 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

Solution: Login using appleid.apple.com, and update your payment method there (using a desktop, iMac, OS 14.4.1)

My Experience: Like you, my payment method was not being accepted, here are all the things I tried

• Through Music I went to my Account

• I input the info by hand

• I used the camera to capture the info

• Tried turning off my VPN

• Used multiple different credit cards from different issuers (Visa, Discover, etc.)

• Tried 8-10x and nothing worked

Called Apple Care and at first they suggested it was a bank issue but I assured them it wasn't and relayed that the error message was to contact Apple Support, not my bank. The agent did additional searching for additional suggestions (the questions I remember being asked, after confirming I wasn't calling about Apple Pay... was my OS was up-to-date, was my connection strong, am I in a supported country), they then suggested logging in directly - not using a link - to appleid.apple.com and it immediately worked

Hope you find a solution that works for you!

rayXven wrote:

Every time I try to purchase something or download an app from Apple Store it won’t work for some reason. It used to let me do it in the past but now it keeps saying that the payment has been declined or I’m unverified.

A “card declined” or similar message means that the issuer of the credit or debit card you have on file in your iTunes account rejected 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

What do I do apple please help

As you haven’t provided any details, such as whether it is for the Wallet or your Apple ID payment method, what any messages say that you receive, the type of payment (debit, credit, gift card, PayPal, etc) I’ll try a “shotgun” reply that lists (almost) everything that might have caused the problem:

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

ighifewo wrote:

my payment method is not updating

Are you following this guidance→If you need to change or update your Apple ID payment method - Apple Support

If you continue to have a problem after following the linked instructions and you see a “card declined" message that 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
• 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

hasnah193 wrote:

hi my card keeps declining

Here is what I posted earlier on this page, which you apparently missed:

Are you following this guidance→If you need to change or update your Apple ID payment method - Apple Support

If you continue to have a problem after following the linked instructions and you see a “card declined" message that 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
• 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

Kris2007 wrote:

I noticed my debit card said “(Failed)” and I am putting my updated information and as soon as I tapped Done, it says it’s failed and wouldn’t update my information. What is happening

A “card declined” or similar message means that the issuer of the credit or debit card you have on file in your iTunes account rejected 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

See what to do: If your payment method is declined in the App Store or iTunes Store - Apple Support

Hi, and welcome to the Apple (user-to-user) Community.

Re: My payment was declined and saying verification

✽ If you haven't already : check you are signed in (to your iPhone) with your Apple ID:

Sign in with your Apple ID - Apple Support

✽ What to do: If a message says 'billing problem with previous purchase' or 'verification required' - Apple Support

✽ You might want to check that the payment method is one that Apple can accept in your country or region:

Payment methods that you can use with your Apple ID - Apple Support

More trouble-shooting:

✽ Re: "verification": If you have debated a charge from Apple:

you may need to request your card-provider to allow payments to Apple again.

✽ What to do: If your payment method is declined in the App Store or iTunes Store - Apple Support

If needed: you may need to add a new payment method before you can delete the old one

✽ How to add an Apple ID payment method:

Add a payment method to your Apple ID - Apple Support

✽ How to delete an Apple ID payment method:

Remove a payment method from your Apple ID - Apple Support

✽ How to change an Apple ID payment method:

If you need to change or update your Apple ID payment method - Apple Support

For more support / info / contact:

✽ Apple ID support website:

Apple ID - Official Apple Support

✽ Subscriptions and Billing website:

Subscriptions and Billing - Official Apple Support

All the best :-)

Tom1Tom wrote:

My payment was declined for apple Id

A “card declined” or similar message means that the issuer of the credit or debit card you have on file in your iTunes account rejected 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

You may need to check why your payment method / card / provider is not verifying your payment to Apple.

or

to pay for an unpaid order:

See: What to do: If a message says 'billing problem with previous purchase' or 'verification required' - Apple Support

There are also other possible solutions posted much earlier in this discussion thread.

obedahammond wrote:

I have a valid Visa card from Ghana, West Africa and existing subscriptions on the card which Apple does deductions monthly.., I am in USA now for studies and needs applications that are not available on the previous country/region so I need to change the region and country now to that of USA.

Now my problem is Apple refuses to accept my old payment method which is valid and I have been using all these while.

Is it by force to open a bank account and get new credit/debit cards simply because I’m in the states??

That’s one way. The credit card billing address must match your Apple ID billing address, and must be in the same country as the App Store you are using. This is for security reasons; otherwise, anyone could register a stolen credit card with the App Store.

You can also add an Apple Gift Card to your account to satisfy the requirement for a payment method.

See→Payment methods that you can use with your Apple ID - Apple Support

ayrifik wrote:

The EXACT same thing is happening to me! I don’t know what to do

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

flowers133 wrote:

My payment was declined

A “card declined” or similar message means that the issuer of the credit or debit card you have on file in your iTunes account rejected 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

DonnaK1946 wrote:

Received message iCloud method of payment denied

As you clearly did not read ANY of the previous messages in the 6 pages of this thread before you posted, I will post the comprehensive answer again for your convenience:

A “card declined” or similar message means that the issuer of the credit or debit card you have on file in your iTunes account rejected 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