1. jkeitz's Avatar
    THIS. I work for a bank that is also a major issuer of credit cards. We keep records of declined transactions and can even tell customers why they were declined.
    In each case, however, I just pulled out the actual card and swiped it after the Apple Pay transaction failed. In each case, the card was accepted.
    06-29-2016 07:03 PM
  2. Rob Phillips's Avatar
    In each case, however, I just pulled out the actual card and swiped it after the Apple Pay transaction failed. In each case, the card was accepted.
    Still worth a call IMO.
    jkeitz likes this.
    06-29-2016 07:07 PM
  3. Tartarus's Avatar
    No, the stupid Dutch banks think they know better and are trying to implement their own inferior technology for Android phones equipped with NFC.

    If it comes to  they're all slack and slow.
    Impstoker likes this.
    06-29-2016 07:18 PM
  4. Branta's Avatar
    In each case, however, I just pulled out the actual card and swiped it after the Apple Pay transaction failed. In each case, the card was accepted.
    That's what tells me the problem is a permissions and setup issue between the card account and Apple Pay, rather than a problem with the iPhone, the card account (credit limit, etc) or the technical aspects of the authorization process when using the phone. The request is getting rejected for some reason in the payment processing stage at the card provider so it has to be something the card issuer can check and probably fix with a few clicks.

    One other thought... what was the value of the rejected transactions? Apple Pay is handled like a contactless card payment which in most cases has a pretty low transaction limit. Here in UK for most merchants I think it is usually about 30 (call it = $50) regardless of how much more you could spend by using the supporting card.
    06-30-2016 07:11 AM
  5. kmk1972's Avatar
    Apple Pay stop working for me at Walgreens a few weeks ago. It keeps asking me to enter a PIN.
    06-30-2016 10:57 AM
  6. Branta's Avatar
    Apple Pay stop working for me at Walgreens a few weeks ago. It keeps asking me to enter a PIN.
    That's a failed fingerprint recognition. Clean the Home button and wash your hands. If it still fails delete and re-register the problem fingerprint(s).
    06-30-2016 02:52 PM
  7. ghostface147's Avatar
    Call your bank. It happened to me and there was some sort of block on my card that was lifted. It had to do with swapping phones.
    06-30-2016 10:04 PM
  8. Ledsteplin's Avatar
    Could also wrong info with the bank, such as your address.
    07-01-2016 10:41 AM
  9. jkeitz's Avatar
    Apple Pay stop working for me at Walgreens a few weeks ago. It keeps asking me to enter a PIN.
    Yes, it asked me for a PIN too. I entered the PIN, then it failed.
    07-01-2016 11:01 AM
  10. jkeitz's Avatar
    That's what tells me the problem is a permissions and setup issue between the card account and Apple Pay, rather than a problem with the iPhone, the card account (credit limit, etc) or the technical aspects of the authorization process when using the phone. The request is getting rejected for some reason in the payment processing stage at the card provider so it has to be something the card issuer can check and probably fix with a few clicks.

    One other thought... what was the value of the rejected transactions? Apple Pay is handled like a contactless card payment which in most cases has a pretty low transaction limit. Here in UK for most merchants I think it is usually about 30 (call it = $50) regardless of how much more you could spend by using the supporting card.
    The KOHLs transaction was around $175. The Walgreens one was under $10.
    07-01-2016 11:01 AM
  11. armandxp's Avatar
    Walt Disney World. I use AP here all the time, but if you don't tell the cashier you're using AP, it will not work when you tap the sensor. They have to actually press a button on their register, before you try to tap the sensor. It's very annoying sometimes, because a lot of the foreign cashiers, have no clue what you're talking about, until after the third or fourth try. You'd think Disney would have this set up a little more user friendly, considering Apple's investment in the company.
    07-01-2016 03:13 PM
  12. AKech's Avatar
    I recently got a 6s Plus, and I set up Apple Pay with two credit cards, three debit cards, and a store card. I tried Apple Pay with the store card at Kohls, and it said "not authorized." When I used the card, it worked fine.

    I just tried again with a debit card at Walgreens. Tried twice with Apple Pay. Got the beep, entered my pin, and the screen flashed "not authorized." After two tries, I swiped the card, and it worked fine.

    What am I missing here?
    ApplePay set up is a 2 step set up:
    1. Install the bank card in your iPhone wallet
    2. Activate Apple Pay card with a phone call to the bank or using a bank iOS app. Once you do this, it takes a few minutes or hours to activate.

    If you have not done step 2, it will not work.
    Did you do the second step?
    scruffypig likes this.
    07-01-2016 05:37 PM
  13. Sunflower44's Avatar
    Yes, Apple Pay is so easy with my Apple Watch (preferred), or with my iPhone that I don't even need to turn on to complete the Apple Pay process. I wish every store I frequent would have Apple Pay. I tend to shop more at those who do have it.
    07-01-2016 06:42 PM
  14. jkeitz's Avatar
    ApplePay set up is a 2 step set up:
    1. Install the bank card in your iPhone wallet
    2. Activate Apple Pay card with a phone call to the bank or using a bank iOS app. Once you do this, it takes a few minutes or hours to activate.

    If you have not done step 2, it will not work.
    Did you do the second step?
    Are you sure about step 2? I've never heard of having to call the bank after setting up the card in Apple Pay.
    07-01-2016 06:42 PM
  15. Rob Phillips's Avatar
    Are you sure about step 2? I've never heard of having to call the bank after setting up the card in Apple Pay.
    Some banks require that you place a phone call to them as a method of verifying your card before you can use it.
    scruffypig likes this.
    07-01-2016 07:24 PM
  16. jkeitz's Avatar
    Some banks require that you place a phone call to them as a method of verifying your card before you can use it.
    Would Apple Pay still indicate that the card is ready (even if I still have to call the bank)?
    07-01-2016 07:32 PM
  17. Rob Phillips's Avatar
    Would Apple Pay still indicate that the card is ready (even if I still have to call the bank)?
    No. It should indicate that the bank needs to be contacted and display a phone number to call. That was my experience anyway.
    07-01-2016 08:32 PM
  18. robertk328's Avatar
    Some banks require that you place a phone call to them as a method of verifying your card before you can use it.
    Mine authenticates another way, no call needed. So step 2 would be depending on the financial institution.
    07-01-2016 08:50 PM
  19. cctpitts01's Avatar
    The issue I have been having especially at CVS some Dunkin Donuts it keeps asking to me to insert chip even though I'm using Apple Pay.
    07-01-2016 10:21 PM
  20. Mac Guy's Avatar
    The issue I have been having especially at CVS...
    CVS is doing Pay?? I wondered if they'd start when when MCX killed CurrentC. I wish there were a Dunkin Donuts out my way.
    07-02-2016 12:29 AM
  21. Mac Guy's Avatar
    if you don't tell the cashier you're using AP, it will not work when you tap the sensor. They have to actually press a button on their register, before you try to tap the sensor. It's very annoying sometimes, because a lot of the foreign cashiers, have no clue what you're talking about, until after the third or fourth try.
    I get this same thing at McDonald's. First, since I only use drive-thru, I have to say "No, not apple pie. Apple Pay". I need to get an Pay sticker for my car window. The, I often have to remind them to "push the button". I don't know what button, but they do and it gets done.

    Since I go to one McDonald's too often, I've got most of their staff trained. If P really takes off, maybe someone will make a more portable sensor for drive-thru use.

    I haven't needed to try Walgreen's, and I didn't know CVS started taking it, but it worked perfectly at Chick-Fli-A. But that might be because the girl at the register was wearing a Sport.
    jkeitz likes this.
    07-02-2016 12:41 AM
  22. uncleZZ's Avatar
    My wife is using Apple Pay in China every day, it seems to work in most places.

    She used WeChat Pay yesterday, which is also quite common especially when paying PtoP ( I use it to pay factory samples on the spot). It's funny to observe, you pull phone from your pocket, open WeChat, let the store scan your QR code, then accept the payment. That takes about 30-40sec.

    Next we went to Watson's where the casher already knew her habits. I didn't see if see really paid so I had to ask her what happened. It went like this, the cashier put her stuff in a plastic bag and placed it on the desk, when my wife reached it with her left hand the Apple Watch passed the Apple Pay reader, she then turned around and took the receipt with her right hand and walked away. Payment took 1 second, receipt another 5 sec, you don't even need the receipt. Magic.

    I have seen nifty readers in restaurants, they basically touch your Apple Watch and that's it. In most stores the reader is on the table and you kind of have to position the AW in right way by twisting your arm, not good. Burger King has it about right, just lift your arm.
    07-02-2016 06:19 AM
  23. robertk328's Avatar
    I haven't needed to try Walgreen's, and I didn't know CVS started taking it, but it worked perfectly at Chick-Fli-A. But that might be because the girl at the register was wearing a Sport.
    Didn't realize it was at Chick-Fil-A.... I wonder if @mumfoau knows?!?!
    07-02-2016 07:36 AM
  24. mumfoau's Avatar
    Didn't realize it was at Chick-Fil-A.... I wonder if @mumfoau knows?!?!
    Of course I do! Lol
    07-02-2016 07:44 AM
  25. robertk328's Avatar
    Of course I do! Lol
    Something told me you would!
    07-02-2016 07:53 AM
59 123

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