Can I use two cards with Apple Pay on my iPhone?

TMcClain wrote:

Ok that helps…I think but I’m not seeing an option to tell my phone (or Apple Pay) that I want to use one card for Monthly subscriptions.

You can’t, period. Your only option is to select the card you want to use manually. There is no way for your Wallet app to know which card you want to use for specific expenditures.

The Default Card is just the card that will come up first. You can still choose a different card with Apple Pay for online and in store purchases.

Make purchases using Apple Pay - Apple Support

For in store purchases, I find it easier to open the Wallet app and choose the card I want to use. When you hold it up to the retail terminal, Apple Pay will use that card.

This isn’t that complicated. I have my American Express Blue Cash Preferred card as the >default< on my Apple ID Account. All my subscriptions, apps etc. run through Apple and are paid by the Am/Ex card.

In my Apple Wallet app, my Apple Card is my default. I also have many other cards in my Apple Wallet. I use Apple Pay on my iPhone to make purchases at restaurants, gas stations, groceries etc. Two separate accounts and two different cards are the default.

Now, if you are not talking about Apple Pay, but your Apple ID Account, you have a possibility of several different defaults, including Apple Gift Cards, Apple Account Funds, Apple Cash and a credit or debit card of your choice. Confusing? Yes it is!. Apple has a support article that explains the order payment methods are used in your Apple ID Account.

How apps, content, and subscriptions from Apple are billed - Apple Support

TMcClain wrote:

I didn’t go through Disney. The subscription is listed on my phone in the Settings under “Subscriptions”!!!

In that case Apple Pay is not involved in any way.

The subscriptions will use the payment methods on your Apple ID in the order they appear in.

You can tap on "Edit" at the top right and then drag the payment methods there up or down to change the order in which they are used.

The top payment method will then be used first for the store payments

and recurring subscriptions first.

This has no bearing on the default payment method set up in the Wallet App and has no relation to Apple Pay.

There seems to be a confusion between Apple Pay, and Apple's media stores payment mechanism.

Apple's iTunes and App Stores do not use Apple Pay in any way shape or form.

If you subscribe to Disney+ through Apple / your Apple account, then Apple Pay is not involved in any way.

You can set the default payment method for your Apple ID to be used for recurring subscriptions separate to that of the default card used for Apple Pay because they are 2 different things.

To modify the payment method used for subscriptions charged by Apple, through your Apple account (again, completely unrelated to Apple Pay) follow the steps in the support document linked below.

click here ➜ Add a payment method to your Apple ID - Apple Support

The payment methods added to your Apple ID are charged in the order they appear in.

You can tap on edit and then drag the payment methods there up or down. The top payment method will then be used first for the store payments and recurring subscriptions.

The Apple ID balance cannot be moved from the first position and will always be the first thing Apple attempts to charge for iTunes and App Store purchases and recurring subscriptions, followed by your other payment methods in the order they appear in.

Are your subscriptions etc through Apple or do you subscribe directly with Disney? You can have one payment method as the default for your Apple ID and another payment method as the default for your Wallet app/Apple Pay.

So, here is the solution. It sounds like you’re subscribed directly to Disney and not through Apple.

Contact Disney and change the payment method associated with your Disney Subscription. That’s not something you can do through Apple Pay. Typically, what you’re asking for is associated with a Bill Pay Service.

If you subscribed to Disney+ directly with them (even if you chose Apple Pay), then they charge whichever card was selected at the time you started the subscription.

Not sure there is a way to select a different card, but if there is, it would need to be done through your Disney+ account directly on their website.

https://help.disneyplus.com/article/disneyplus-en-us-update-payment?redirect=false

A wallet cannot have two defaults. I don’t know how Disney subscriptions worked into this, unless you subscribe directly. I subscribe to Disney through Apple ID. But it sounds like you want to use Apple Pay as a bill paying service and Apple Pay is not a bill pay service. Apple is not a bank and can’t function in the capacity as a bank.

Apple Pay is an extremely secure way of making payments for products and services and protect your personal and financial information. But it cannot function as a bank.

That is a screenshot from your Apple ID Account. That is a separate from Apple Pay. Here is the link I posted yesterday at about noon that explains the billing order for payment methods added to Apple ID. It can be changed at any time, but there can only be one default payment method. If you redeem an Apple Gift card and/or add funds to your Apple Account that will be the default until funds are exhausted. I’ll post the link again for you convenience.

How apps, content, and subscriptions from Apple are billed - Apple Support

I’ll share this additional link which explains what Apple Pay is.

Apple Pay - Apple

The link below is to your Apple ID Account. There you’ll find some of the many services that Apple offers, including Payment. This account is separate from Apple Pay.

https://appleid.apple.com/

I had several cc in my wallet including my Apple mastercard , when I hit Apple pay, the monies were taken out of another cc in my wallet. Why? I removed all Cc out of wallet and just left the Apple Card! It makes my wallet inefficient.