Declined payment by Apple Pay

This is an issue you’ll need to resolve with your bank. The bank sent your iPhone a decline and the merchant received a decline. Your bank has bank a mistake. They’ll need to investigate and adjust your account.

You can see recent Apple Pay history using information in this support article.

See your Apple Pay transaction history - Apple Support

Sometimes a three way call needs to happen between your bank the merchant and yourself. Do you bank at a bank with a local branch? Were they the funding source?

Apple is not a bank and never touches your funds. The issue is between your bank and the merchant. Apple can’t see your funds.

Apple Pay (on a secure device) transmits data from the merchant to your bank. Your bank approves or declines the transaction. The approval or decline is transmitted to the merchant. You bank has merchant account information and sends funds directly to the merchant.

Do you know the merchant? Are they a large company? Is it a private sale and perhaps a scam?

So you saw a decline on your iPhone or on a website? Did the merchant say it was declined?

Who is the merchant?