I have tried using my Apple Pay at three different stores that accept it and each time it was declined and I had to pull out my card. I went to an Apple Store and had them check it and it worked fine. I was also told it didn't matter what kind of case I had in my phone. Just tried to use it at Best Buy and it declined again.
No, two-factor authentication has not affect on Apple Pay.
I'd start by removing the car from Apple Pay and adding it back.
Hi
Having two-factor authentication enabled does not affect your use of Apple Pay.
Check that you are following the instructions here, including holding your iPhone within one inch of the contactless reader until you see Done and a checkmark on the display:
Using Apple Pay in stores, and within apps and websites - Apple Support
You may wish to report your failed payment attempts to Apple. The form enables you to report issues with specific merchants, transactions and payment cards:
https://www.apple.com/feedback/apple-pay.html
If the issue persists, I suggest that you contact Apple Support or make a Genius Bar reservation for further assistance:
You may also wish to consider contacting your card issuer to check whether they received and/or declined any of your failed payment attempts.
Once a card has been added to Apple Pay, it is not necessary to remove your card from Apple Pay and add it back again.
Does having two factor authentication enabled affect using Apple Pay?
