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

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?

A “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:

• 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
• You are connected through a VPN provider that does not terminate near your actual location.

You need to contact the card issuer and ask why they rejected the charge; they are the one who rejected it, not the Apple Wallet.

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

I am having the same issue now, I cant even download free apps without the payment method needing to be verified and Ive tried multiple cards

Im having this issue now

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 😂

Do you use VPN? If so, delete the VPN profile in Settings/General/VPN & Device Management/VPN.

Multiple vendors, no VPN and all payments go through when switching to Chrome

issue definitely with Safari/Apple

No definitely only on Apple Pay it’s an issue and it says it is Apple Pay that was declined not the card, but best fix definitely is use same card but PayPal so far that has worked everytime for me

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

im having the same issue… it’s been a little over two weeks for me

This literally happened to me again today. The card, expiration date and security number on the back is correct. This is the third time I’ve tried to use Apple Pay for online purchases only to have them declined. I’ve got $300 in the account so it’s not a banking error.

I know what I am talking about. If you don’t believe me and don’t follow through on the troubleshooting steps I posted you will never be able to add payment method to your phone.

I highlighted VPN because that is the most common cause of inability to register a card; banks HATE VPN and frequently block it.