What businesses actually accept Apple Cash From the Wallet application on iphone and Apple Watch.

The Apple Cash card presents itself to the banking system as a Visa Debit Card, not a Credit Card. Some merchants may not like taking debit cards.

The bottom line is that there is NO official list of merchants that accept the Apple Cash card as payment.

Thanks.

I know zero about 7-11’s business operations, but I suspect that individual stores (or groups of stores) are independently owned and operated …

… and that they independently contract for their own banks, and card service processors / acquirers and that they have the latitude to establish their own credit/debit acceptance and risk management policies.

Additionally, you might find this blog post interesting. It provides a detailed, but quite understandable primer on how ApplePay works from a payments-processing technical perspective:

https://codeburst.io/how-does-apple-pay-actually-work-f52f7d9348b7

That’s a great thought. But perhaps even more than a debit card is the issue Apple Cash is a prepaid debit card. I can think of multiple merchants in my area that won’t accept prepaid debit cards.

If it’s at multiple 7-11s in your area, it’s likely either a policy being implemented on their behalf by their card processor or a config error.

Perhaps you might ask 7-11 management in your area. If not a “policy” it might be a simple error in their back-office setup.

Are you getting declines or the transaction doesn’t go through? Have you verified your Apple Cash account?

Identity verification for Apple Card or Apple Cash - Apple Support

If attempting to purchase gas, 7/11 in my area charge $150 hold on gas purchases. Most people don’t hold that much cash in Apple Cash.

Just an FYI post. Apple Cash identifies itself as a prepaid debit card. The differences between a prepaid card and debit card are large. I’ll leave it at that.

When you attempt to pay at the pump, most merchants will hit you with a hold. Individual stations may be corporate owned or a franchise with most brands of gas. The hold is to protect the merchant from losses of drive offs, basically people that will steal gas.

If you go inside, the hold is not necessary. You tell the clerk that you want $20 of gas and if your debit/prepaid debit card has $$$$ on it, you’re good.

I can’t say with a 100% certainty, but I’d be shocked if you could use a prepaid debit at the pump.

Happy to share what I know, but if your read my comments about, you’ll understand the context of what I’m sharing above.

I hope this helps.

Apple Cash can be transferred to bank accounts. However, when spending Apple Cash, it’s not like Venmo debit or credit card. Apple Cash does not have a physical card to swipe or insert for chip read. Apple Cash is only a virtual card the lives in the Wallet app and must be used in conjunction with Apple Pay. Hence, Apple Cash is accepted by any merchant that accepts Apple Pay or Tap-To-Pay.

I found myself driving-by a 7-11 this morning and recalled this thread.

Successfully completed an “indoor” transaction using AppleCash. (image attached)

(Unfortunately the fuel pumps at this particular location didn’t incorporate NFC readers; so this was IMO only a “partial test.”)

So … while not at all disputing your own experiences … it doesn’t appear to be a “Global 7-11” restriction.

It might be helpful to know a bit more about the payment processing industry “lexicon” as you continue your quest.

This primer is fairly basic but it’s not a bad place to start.

https://business.adobe.com/blog/basics/understanding-payment-process

Nope, your post(s) were spot-on.

I’m also quite familiar w/ the “authorization / holds” for fueling. Most around here seem to be abt $125 or $150.

I was disappointed that NFC wasn’t avail on the pumps; I’d significantly “plussed-up” my AppleCash specifically to eliminate lack of funds as a potential cause for any “decline.”

The “inside” POS test was only to prove/disprove any “Blanket 7-11 prohibition” as alluded-to in the original post.

Unlike most other areas where I’ve lived, 7-11’s are pretty “few and far between” ‘round here.