Apple Pay charging wrong card

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Apple Pay charging wrong card

So within my Apple Wallet I have 3 cards. Let's call them Card A, Card B, and Card C.

Card A is set as the Default Card in my Apple ID settings.

When I start a subscription to Apple One, it asks me which card from my Wallet I want to use for the subscription.

I select Card B.

When the time for payment comes around at the end of the month, it charges Card A.

I delete Card A, and the following month it still charges Card A.

I spoke to Apple support and the guy told me this is normal behaviour (???). He said the only way to use 2 cards is to every time I want to spend, I have to go into my Apple ID and change the default payment. Surely this is wrong? I mean if it asks you which card you want to use for the payment, surely that's so that you can use a different card? Otherwise what's the point in asking?

iPhone 13 Pro

Posted on Sep 19, 2023 6:51 AM

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Answer 1

Best reply

Leon Lonsdale Author

Level 1

8 points

Sep 19, 2023 7:34 AM in response to muguy

So I guess the question then is:

Why is it asking me to choose which card I want to use for the subscription if it's going to completely disregard my choice and use the default card anyway? Seems like a pointless exercise if thats the case

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Answer 2

Entrigo9

Level 1

13 points

Apr 19, 2024 3:35 AM in response to Leon Lonsdale

I have card A B and C, card A set as main payment card in wallet, PayPal with card A as main card linked to Apple ID but I keep seeing charges going to card B and a couple on card C - seemingly at random.

Anyone from Apple support that can advise?

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Answer 3

Jeff Donald

Level 6

12,494 points

Sep 19, 2023 7:05 AM in response to Leon Lonsdale

Yes, that’s the way it works. This just a guess but when I subscribed to a AppleTV+ channel/app I was able to subscribe and received a substantial discount for using my Am/Ex card. The monthly or annual subscription renew to the default payment card. There is currently no way to automatically switch payment method.

Apple welcomes your feedback.

Feedback - Apple Pay - Apple

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Answer 4

Jeff Donald

Level 6

12,494 points

Apr 19, 2024 4:13 AM in response to Entrigo9

Generally, the order only changes when a charge is either declined or rejected, or the payment method can’t be used for certain categories of items. PayPal does seem to have issues at times. I think, it’s a PayPal issue, but could be wrong. I’ve linked below an Apple Support article on payment order.

How apps, content, and subscriptions from Apple are billed - Apple Support

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Answer 5

Jeff Donald

Level 6

12,494 points

Sep 19, 2023 7:41 AM in response to Leon Lonsdale

By allowing 2 different cards I did the initial subscription with a credit card offering an $84 discount. But I have a different credit card for month to month renewals that offers better rewards/cash back.

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Answer 6

muguy

Level 9

76,099 points

Sep 19, 2023 7:07 AM in response to Leon Lonsdale

Only the account on your Apple ID is charged for purchases in the App Store and for subscriptions. If you wish to select a different card, you need to update the card used on your Apple ID.

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Apple Pay charging wrong card

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