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Apple Pay charging me for my card being declined

I have a iPhone 17


i set up Apple Pay with a few of my cards linked and also my Venmo and PayPal. I often play games or make in app purchases using Apple Pay. I noticed that if my card/ PayPal/ Venmo account gets declined Apple Pay will not let you use the App Store until you update your billing information. Only one HUGE problem, I end up NOT getting the rewards/benefits/order because of course my card doesn’t have the funds, but then they still make me pay for it anyway when I do get money on the account or card that was charged and if you can’t download or get any new apps until it is paid…… I have also checked days later to see if maybe the order or payment falls off as a pending charge….. NOPE!!!!!! They are charging me for all the items that were declined by my bank and not giving me anything except allowing me to use the App Store again (that I also pay for)

2 replies

Apple Pay is a technology for more secure and private transactions and payments. It’s not an account and does charge people for its service.


It sounds like the in app purchases are being put through and you’re not getting your purchases. You’ll need to contact Apple Billing and get them to issue refunds or you may need to contact the company you did in app purchases with.


Subscriptions and Billing - Official Apple Support


The easiest solution would be using Apple Account balance, which can also be used to pay for most In-App purchases. You can top up your Apple Account balance by redeeming Apple Gift Cards, if available in your region, or by transferring money from your banking account.


...

  • In countries and regions where Apple Gift Card is available, you can use your Apple Gift Card or Apple Account balance to buy products and accessories at apple.com, an Apple Store, or in the Apple Store app. In these countries and regions, your Apple Account balance includes the balance from any Apple Gift Cards or App Store & iTunes Gift Cards that you have redeemed.
  • Buy apps, games, or in-app purchases from the App Store.
  • Buy music, movies, and more from the iTunes Store, Apple TV app, or Apple Books.
  • Pay for subscriptions like Apple Music, Apple Arcade, and Apple TV. Or pay for subscriptions to apps from the App Store.
  • Pay for iCloud+, Apple's premium cloud subscription.

...

  • You can't use your Apple Account balance to send gifts or gift cards.
  • For some recurring charges, like AppleCare+, you can't start your subscription with Apple Account balance. But as long as you keep another valid payment method on file and your Apple Account balance would cover an entire charge, your recurring charge will be pulled from your Apple Account balance.*
  • Some subscriptions might not be charged to your Apple Account balance.
  • If you use Family Sharing, your family members can't spend your Apple Account balance. Funds that you add to your Apple Account balance are available only to you. Learn more about how purchases bill to your Apple Account balance.


copied from: What you can buy with your Apple Gift Card or Apple Account balance - Apple Support



Add money to your Apple Account balance - Apple Support