My Credit Card works but it gets declined by Apple ID payment method

THIS. IS. NOT. AN. APPLE. ISSUE.

If there was no record of an attempt to charge the card that means that the charge request never got to the issuer. Either you’ve got a problem with your cellular data connection, or you have a settings error.

FIRST: Are you talking about using your card in your Apple ID to purchase apps or music, or using it in your Wallet to use in a store?

Have you followed the troubleshooting steps I posted on the previous page of this thread? Here they are again:

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.

Same issue. Card payments declined using Safari (and verified card payment in card app) but payments successful using Chrome

seems to be an Apple/Safari issue to me

Same here. It Is An APPLE Problem and the sooner they accept this and fix their problem the better.

If it’s happening to

multiple people with different cards it is an apple issue cupcake.

No, it is NOT an Apple issue. 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 in the country or region 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

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

From your description the most likely cause is if you are using VPN, or even if you just have a VPN profile installed in Settings/General/VPN & Device Management/VPN.

I’ve already posted the other things to check in this thread, but here they are again:

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

Then it could very well be a problem with the merchant's system.

Try it somewhere else.

If all else fails, back up the phone, restore iOS, then restore the backup.

I thought Lawrence was the only one did not suggest Apple as the issue 🤔

John4v1Mess wrote:

Me also. Apple need to sort this out and not treat us like fools.

As I already told you, Apple isn’t going to sort anything out unless you ask them to. Posting in this user-to-user forum is NOT a way to contact Apple.

But if you want to try to sort it out yourself, here are most of the reasons a card can 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

I’m dealing with this issue right now. It’s definitely not a bank issue. I have $60 in pending charges in limbo right now because Apple kept trying to charge my card but it kept declining. Bank said everything was fine. Even my credit card company too because I switched the payment method. I have no VPN or anything like that. Never had this happen before. But it’s very frustrating at this point I have been dealing with this all week.

• Hey Lawrence. I am also having this problem. Apple Pay worked in the morning but stopped same day. And it’s all my cards in store and online purchases. The bank cannot help. The only possible option of those you listed could be “Address in your iTunes account does not match exactly the billing address for the card”. Because Apple Pay asks me to enter my address again before confirming the purchase. But I don’t have an iTunes account. Any ideas?

Have you checked all of the items I listed, in particular the address match and VPN?

Snarky answers are the motto of people who don’t understand the post they are responding to.

It’s not the card being rejected but Apple Pay refusing/rejecting payment, makes no odds which card all cards. And only for one vendor

Yes I found easier solution used same card same vendor but through PayPal problem solved 😂