Apple Pay (Do Not Honor / Temporary Hold)

Apple doesn’t approve or decline transactions, only the issuing bank can do that. What is the velocity of the charges? If the velocity is high, this is a sign of potential fraudulent use. They may be probing security of your systems, payment processor etc.

Another possibility is the security methods Stripe is using. If they aren’t familiar with Apple Pay, the declines could be address or BIN (Bank Identification Number) failures. You typically can’t use address and BIN verification with Apple Pay.

There are 3 posts on this subject and the common denominator is all 3 are Recurly customers. I would touch base with their support team.

Here is what your platform documents:

• https://recurly.com/blog/credit-card-decline-messages-what-they-mean-and-how-recurly-responds/

The rules that payment processors and financial providers use for detecting and avoiding fraud and chargebacks are most definitely not documented.

Ok, so probably not fraudulent. This might be more a question or observation for the Apple Developer Community and not the Apple Support Community. This community is mostly for technical issues and not support on development, and other factors related to developing and managing an app.

Hey there!

did you manage to find any solution? We’ve started to experience the same behavior 2 days ago. Also Recurly based, never happened before, temporary_hold message for lots of first time payments.

thanks!