Apple Pay uses wrong card

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Level 1

9 points

Apple Pay uses wrong card

I have several credit cards in my Apple Wallet (synched with Apple Watch). Twice now, when I use my watch to pay, I swipe to select the card that I want to use, hold the watch near the reader, and it charges the transaction to a different card in my wallet. The cards are not adjacent in the list, so doubtful that I accidentally changed it as I'm careful not to touch the watch as I hold it near the reader. Both times I selected one card and it charged to the same (wrong) card.

Apple Watch Ultra

Posted on Jan 14, 2024 7:34 AM

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Answer 1

Top-ranking reply

Jeff Donald

Level 8

44,748 points

Jan 14, 2024 9:17 AM in response to bluecrab1

Watch Wallet has its own default card from iPhone.

Go to Apple Watch > Wallet App (this is on the Watch itself) < tap 3 dots in upper left corner of screen > set default card to desired card for Watch. That may help in getting the card picked you want.

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Answer 2

Jeff Donald

Level 8

44,748 points

Apr 9, 2024 4:46 AM in response to RJA14

Are you aware the Apple Watch and iPhone have separate default cards? You must set a default card for each device.

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Answer 3

Jeff Donald

Level 8

44,748 points

Jan 14, 2024 8:55 AM in response to bluecrab1

Is it picking the default card or just a random card? Do you have a default card set for your Watch?

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Answer 4

bluecrab1 Author

Level 1

9 points

Jan 14, 2024 10:59 AM in response to Jeff Donald

Hi Jeff, thanks, but I do have everything set correctly (default card set on both iPhone and Watch). The issue is not with default card, it's the fact that I choose card #5 to make the payment and the charge goes through on card #3. As I said earlier, card #1 is set as default on both devices. Next time I'll pay with my iPhone instead of my watch as I won't have to turn the screen to face the reader, that way I can be absolutely certain that the correct card is selected.

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Answer 5

bluecrab1 Author

Level 1

9 points

Jan 14, 2024 9:09 AM in response to Jeff Donald

No, it's not using the default card... I have 7 credit cards in my wallet, card #1 would be my default card. The card that I selected was card #5, but the transaction was charged to card #3. Happed that way twice over several months.

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Answer 6

RJA14

Level 1

8 points

Apr 9, 2024 4:42 AM in response to bluecrab1

Did you ever solve this, as I’ve had something similar happen. I select one card, and another is charged.

It’s too late once the charge has gone through. 😐

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Apple Pay uses wrong card

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