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

You are not helping anyone, all you are doing is making excuses for apple and accusing the customer of the issue when we all know that it is apple. I had to claw back a payment through paypal after apple refused a refund for a movie that would not play. Now apple refuse to accept any form of credit card, even the prepaid ones. That is all good as I have just gone elsewhere to buy my movies, so that kind of backfired on apple lolol

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.

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

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

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

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

Something more is wrong here. Apple Pay works at the grocery store or anywhere else when I physically tap the phone in person to the payment device but it does not work with any of my apps. If I load my card directly into the App, the card works. This is clearly an Apple problem.

Mikelz54 wrote:

This is clearly an Apple problem.

No, it is not an Apple problem. The card you use for the iTunes and App Store has absolutely no connection with cards in Apple Pay. It may be the same card by your choice, but it is still a completely independent transaction, and the standards for it are different than the standards for cards in Apple Pay.

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 the billing address for the card
• 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

I disagree with your thoughts. Nothing has changed on my end. My apps used to take Apple Pay and now they do not yet I still can use these cards at stores. There is no way that multiple apps stopped taking Apple Pay all at the same time.

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.

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

I fixed this. My card was the only payment method I had set up so I couldn’t remove it. I temporarily set up PayPal as a payment method, removed my card, added it back again then removed Paypal and the card now works.

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