Valid Credit Card Declined

Maybe “blow off” was a bit too harsh; but I’m fairly confident that the issuer logged the reason(s) for the decline; the fact that the CSRs - for whatever reason - can’t provide this “troubleshooting info” to their own, authenticated customers galls me.

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I’ve found that some online merchants - including Lowes - appear retain other customer data.

While executing online ApplePay purchases, I now check - and almost always have to edit - either my phone number or my card’s billing address (or both) during the transaction.

This data NOT found anywhere in my settings, but they appear to be from historically-used data from my prior purchases with the merchant.

For example - one merchant’s transactions refuse to process unless I delete the “+4” portion of my zip code on a per-transaction basis.

Others reject the “+” prepended to my phone numbers.

Hope some of this might help.

So … what did your card’s issuer say was the reason for the “decline” ???

The entire presumably ApplePay (???) transaction (whether accepted or not) is processed entirely outside of Apple’s purview.

Apple’s “piece” in ApplePay transaction processing is essentially only as the provider of the “Wallet” app …

… which is roughly analogous to a “browser interface” into the “customer-facing side” of the payments processing system.

I have no doubt that might be what you were told by the CSR, as totally void of factual info as it might be. (i.e. they “blew you off” rather than making the extra effort necessary to get you — their customer - a true actionable answer)

Presumably this was an online ApplePay transaction at Lowes.com?

Was it an AppleCard Mastercard or another “legacy” credit card ?