Apple pay failure on phone only after being asked to update informatiom

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Apple pay failure on phone only after being asked to update informatiom

I have a peculiar issue. I was asked by apple to update my apple pay method. My card expired in jan but i have used it lots since then and all my cards updated automatically on apple pay when i got my new cards. It asked me to do this because it said there was an issue with the card and couldnt process the fee for my icloud storage. So i deleted it and re-entered the info. It then worked.

Since then, my card has declined at all stored except one on apple pay with my phone. BUT my apple pay on my watch with the same card DOES work. At every store. Even the ones my phone doesnt work for. It does the beep and the checkmark then declines. Then i use my watch or my physical card and it works.

Anybody had this issue before? What the heck.

Iphone xr newest ios as of april 10, 2024

apple watch SE watch os 10

iPhone SE, iOS 13

Posted on Apr 10, 2024 3:45 PM

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Answer 1

Top-ranking reply

Jeff Donald

Community+ 2026

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47,762 points

Apr 10, 2024 6:43 PM in response to E90man

You have two accounts that can store credit/debit cards, Apple Wallet and Apple ID Account. Apple Wallet is for use with Apple Pay at merchants that accept Apple Pay. Apple ID Account is for purchases of Apple products and services.

Generally, cards in Apple Wallet are automatically updated by the issuing bank and the user doesn’t have to do anything. Apple ID Account generally is updated by the account holder.

Are both accounts updated or just one? If just one, which one is updated?

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Answer 2

Apr 12, 2024 5:05 AM in response to E90man

Try removing the card from your Apple Wallet on your iPhone, restarting your iPhone and then adding the card back to your iPhone.

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Answer 3

Apr 11, 2024 5:31 AM in response to E90man

OK, Apple ID Account is working.

We need to troubleshoot your Apple Wallet issue.

What model iPhone and what iOS version is it on?

What is the error when you use Apple Pay in store? Do you see decline or what on transaction terminal? Does your iPhone have a case and if so, have you tried a transaction without the case?

If you follow this path,

iPhone > Settings app > General > About > SEID > do you see a number?

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Answer 4

Apr 11, 2024 5:58 PM in response to E90man

If it actually says declined, that’s from the bank that issued the card. It could be related to the merchant or the merchant’s network also, but less likely. Have you talked to the banks? If they can’t see the decline, it’s the merchant or possibly the merchant’s network or gateway.

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Answer 5

Apr 10, 2024 4:10 PM in response to E90man

Apple Pay uses Apple Wallet at merchants that accept Apple Pay? Did you update the card in your Apple Wallet app?

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Answer 6

E90man Author

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4 points

Apr 10, 2024 4:46 PM in response to Jeff Donald

Your sentance isnt too coherent but if youre asking if i updated it, yes, i deleted it and re-added it, even though when my other credit cards expired, they didnt need to be updated and still worked. As did this for many months after expiry. Its just my phone, because my watch works, and it feeds off my phone

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Answer 7

E90man Author

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4 points

Apr 10, 2024 6:48 PM in response to Jeff Donald

That definitely clears things up. I was instructed to update the apple id account, which i did, however all the information was already correct and no date input for my CC was even there as an option. I also changed it in apple wallet by deleting and re-adding it.

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Answer 8

E90man Author

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4 points

Apr 10, 2024 7:09 PM in response to Jeff Donald

I did both….even though it was unnecessary. Then the icloud payment went through for some reason. But now, my apple pay on my phone for instore merchants does not work. But my watch still does. I thought my original question covered all of this

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Answer 9

E90man Author

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4 points

Apr 11, 2024 5:51 PM in response to Jeff Donald

i already said what phone and ios i have in my original post….it does have a case that its had for 2 years and no i havent tried without it because the transaction processes then declines. It gives me a checkmark and dings then declines. Yes theres an SEID number

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Answer 10

E90man Author

Level 1

4 points

Apr 11, 2024 6:42 PM in response to Jeff Donald

I feel like that isnt the issue because when it fails i can either use my watch with the same cars and it works, or the physical card and it works. The strangest part is it only worked on my ohone ag one store. I have been to these stores for years and this issue only just popped up

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Answer 11

Apr 10, 2024 6:57 PM in response to E90man

Are you saying you updated your payment method in your Apple ID Account or not?

Which account is failing? Your Apple Wallet payment method?

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Apple pay failure on phone only after being asked to update informatiom

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