1. miblev's Avatar
    I have a BMO Harris Bank debit card. At most merchants (ie, Whole Foods), the only way to use it through apple pay is to run it through as a debit. When I try to run it as a debit, it is declined. I have reached out to various merchants, the bank and Apple, and they each direct me to one of the others. Anyone having a similar experience?
    05-02-2017 09:54 AM
  2. Rob Phillips's Avatar
    My debit card works just fine through Apple Pay running it as credit or as debit. At the end of the day it's your bank that makes an approve/decline decision on your purchases. There's nothing Apple or the merchant can do about that.
    05-02-2017 10:24 AM
  3. Quis89's Avatar
    My debit card works just fine through Apple Pay running it as credit or as debit. At the end of the day it's your bank that makes an approve/decline decision on your purchases. There's nothing Apple or the merchant can do about that.
    How do you run your card as a debit via Apple Pay? I've never been prompted to enter my PIN number. It always processes as credit.

    I was under the belief that all cards are processed as credit via Apple Pay. So if a debit transaction is required then you'll have to swipe your card.
    05-02-2017 12:12 PM
  4. Rob Phillips's Avatar
    How do you run your card as a debit via Apple Pay? I've never been prompted to enter my PIN number. It always processes as credit.

    I was under the belief that all cards are processed as credit via Apple Pay. So if a debit transaction is required then you'll have to swipe your card.
    Exactly as if I had swiped the card itself. I'm prompted to enter my PIN on the machine unless I choose credit. It depends on the store though. Walgreens, for example, doesn't prompt and always runs as a credit transaction. Meijer (a regional grocery and retail chain) will prompt me and I can choose ether credit or debit.
    05-02-2017 03:41 PM
  5. Quis89's Avatar
    Exactly as if I had swiped the card itself. I'm prompted to enter my PIN on the machine unless I choose credit. It depends on the store though. Walgreens, for example, doesn't prompt and always runs as a credit transaction. Meijer (a regional grocery and retail chain) will prompt me and I can choose ether credit or debit.
    Ah ok. Makes sense.
    05-02-2017 03:46 PM
  6. TwitchyPuppy's Avatar
    Good question..

    I use my debit and credit cards, on  Pay, but respectively as a debit and credit card and never had any issue with merchants when processed as such.
    05-02-2017 06:30 PM

Similar Threads

  1. iPad Pro as a media consumption device?
    By pkcable in forum iPad Pro (9.7-inch)
    Replies: 8
    Last Post: 05-12-2017, 01:26 PM
  2. Not many stores seem to know what Apple Pay is.
    By Ralph Morgotch in forum General Apple News & Discussion
    Replies: 5
    Last Post: 05-02-2017, 11:21 AM
  3. Add an ADDITIONAL Apple ID
    By iMore Question in forum Ask a Question
    Replies: 2
    Last Post: 05-02-2017, 05:55 AM
  4. Join the discussion: Have you noticed more people wearing the Apple Watch?
    By iMore.com in forum iMore.com News Discussion
    Replies: 1
    Last Post: 05-01-2017, 08:07 PM
  5. Apple TV gets search support from Spike, Nickelodeon
    By iMore.com in forum iMore.com News Discussion
    Replies: 0
    Last Post: 05-01-2017, 03:10 PM
LINK TO POST COPIED TO CLIPBOARD