How do i use my pay later if I’m already approved but the cash isn’t on my card?

There should be a card in your Apple Wallet app on your iPhone that says Apple Pay Later (APL). Do you see the card in your Wallet?

How long ago did you apply and were approved? The load offer expires after 30 days and you must apply again.

It could take a day or two for things to activate. The APL program is still in beta and it may take a day or two. You can also contact Apple Support at 1-800-MY-APPLE to ask if they see an issue.

I think it’s a merchant issue. If it were declined by Apple, should have seen a notification on your iPhone. The fact the merchant told you it was declined leads me to believe they didn’t do the sale properly.

Did the merchant say it was declined? How were you notified it was declined? Does the merchant accept Apple Pay Later?