Apple Pay Declined

After 2 embarrassing situations when I had thousands in my account and a twenty dollar charge was declined, I removed all methods from Apple pay and will NEVER use it again. It is clearly not ready for prime time just like Apple Home. This is sad.

I have had the same issues as well. It seems ever since places activated the chip reader on their terminals the Apple Pay problems surfaced. Rite-Aid is one of them. Using Apple Pay the terminal will chime, ask for my pin, then will say "Declined". When I contact the bank issuing the card (Huntington) they said the transaction never hit their system so the problem must be with the merchant. Rite-Aid admitted that they are aware of the problem and the terminals at my location has a sticker on them that says "Debit cards must me swiped", my chase credit card works fine though. A grocery store near me has the same problem...since they activated the chip reader Apple Pay no longer works. At some merchants with a chip reader you must select "Credit" instead of "Debit" for Apple Pay to work. Also the same thing happens if I try to use my Apple Watch to pay so it is not a hardware problem. Hopefully these issues will be resolved because I love the ease and security of Apple Pay.

The same thing happened to me today at a Harris Teeter I always use this card in Apple Pay with. It's a Citi Mastercard (CC, not debit). Declined twice, physical card then worked fine. I have submitted this feedback to Apple Pay.

I had similar problems at Walgreens. Declined twice, issuing card approved instantly when inserted. Thought it was because I requested cash back. Not the issue apparently. Had the problem with two other merchants as well. Just started recently, so I have not been using it. Usually a breeze.

Hi Scott

You may wish to report each of your failed payment attempts to Apple here:

https://www.apple.com/feedback/apple-pay.html

The feedback form enables you to report issues with specific merchants, transactions and payment cards.

If you contact your bank, they may be able to advise whether the payment attempts reached their system and, if so, why they were declined.

Yes I had the same problem. I also have a citizens bank debit card. It was declined at riteAid but the physical card works and I used apple pay at another store and no problem. I did call and the payment never reached the bank to decline. So it appears its the apple pay with riteaid that doesn't seem to like the card.

I have the same problem with AP at Rite Aid pharmacy. Keeps getting declined but using the physical card is no problem.

I found the "Terms and Conditions" on my card had changed. I had to remove and re-add it.

On most IOS devices it requires that you hold down on the home button as a security feature.

In my case a fingerprint and that works ok, just beyond that, then a pin. TOO much hassle for a negative result.