Why Is My Apple Pay Declining When I Have Money?

Once you’ve set up Apple Pay on your Macbook, you should be able to use it with all of your devices. Though, even if you think you’ve done everything correctly, you may still find that your Apple Pay has been declined.

Understanding the reasons behind your Apple Pay being declined is important, as sometimes you may receive an error even when you have sufficient funds. Let’s delve into some of the common reasons why this may happen.

Common Causes for Your Apple Pay Payment Being Declined

1. Bank Authorization Issues

The most likely reason why you’re having a problem with your payment method is down to your bank. This can be for a variety of reasons – anything from insufficient funds through to

Also, banks occasionally decline transactions due to suspected fraud or unusual activity, especially if you’re in a different location. You may want to contact your bank to ensure they aren’t blocking the payment, but only after checking the following possibilities aren’t the reason for your Apple Pay being declined.

2. Incorrect Card Information

Another common reason why your Apple Pay has been declined is that you’ve not set it up properly and made an error when entering your payment information.

It’s an easy enough process, but sometimes you may enter an incorrect number in your card details, or an alternate address in your billing information.

So, it’s important that you double-check that your credit or debit card details on Apple Pay are up-to-date. An expired card, wrong card number, or incorrect CVV can lead to transaction denial.

3. Technical Glitches

The final fairly common reason why your Apple Pay has been declined is down to technical and connection issues. Technical issues with Apple Pay or your bank’s servers can result in payment failure.

This can be a temporary problem, often resolved by retrying after some time. You can also try a different payment method from within your Apple Wallet, which will ensure that your bank isn’t the issue.

Troubleshooting Steps

1. Verify Your Card and Account

It’s important that you ensure your card is not expired and has sufficient funds to make the purchase. Also, check if your card supports Apple Pay, as sometimes you may have a card that isn’t compatible.

2. Update Your Device

Running the latest version of iOS, macOS or watchOS can solve many underlying bugs that might be causing the issue. Updating your operating system will ensure that any technical errors aren’t caused by an outdated OS.

3. Re-add Your Card

Finally, go into your Settings and remove the card from Apple Pay and add it again. This can often reset any errors associated with the card when you’ve set it up – you may also want to try changing to a different card instead.

When to Contact Support

If you’ve tried all the above steps and your Apple Pay is still being declined, it might be time to seek further assistance. To do this, you can contact your bank and confirm there are no issues or restrictions on their end that could be causing the decline.

Then, reach out to Apple Support for help. When you contact Apple support, they can provide more device-specific guidance and solutions.


Apple Pay is designed to be a secure and convenient payment method. While it’s frustrating when transactions don’t go through, the causes are often easily fixed. Keep your device and banking information updated, and don’t hesitate to seek support when needed.



Full-time writer, Apple fanboy and macOS supremacist. Currently running: 16" Macbook Pro w/ 64GB RAM & M1 Max. Already wants to upgrade to the M3 😫😭

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