Apple Pay transaction declined HOURS later?

Discussion in 'Apple Music, Apple Pay, iCloud, Apple Services' started by zorinlynx, May 21, 2019.

  1. zorinlynx macrumors 603

    zorinlynx

    Joined:
    May 31, 2007
    Location:
    Florida, USA
    #1
    Yesterday I bought a coffee around 2PM using Apple Pay. Transaction went through fine, and I enjoyed my coffee.

    I got a notification at around 11:30PM (Over NINE HOURS later!) that the transaction was declined. In the wallet app under "Latest Transactions" it shows as declined with the amount crossed out, and in my Chase banking app for the card, it doesn't show the transaction at all.

    I'm going to wait a couple of days to make sure the transaction doesn't appear, then go make good with the vendor (I'm not going to stiff them out of $2!) but I'm curious if this has happened to anyone else. I could see it costing a vendor a lot of money if this happened on, say, a $200 transaction!
     
  2. MacDawg macrumors Core

    MacDawg

    Joined:
    Mar 20, 2004
    Location:
    "Between the Hedges"
    #2
    Interesting scenario, and please do follow up here and let us know what you find out.
    Sounds like it is more a quirk with your issuing bank (Chase) than with Apple Pay.

    Was this a credit or debit card?
     
  3. zorinlynx thread starter macrumors 603

    zorinlynx

    Joined:
    May 31, 2007
    Location:
    Florida, USA
    #3
    A credit card. One that I've used probably hundreds of times with Apple Pay at this vendor. That's what makes it extra odd.

    I've had Apple Pay declines before, but they are usually immediate and I just try a different payment method. This time it went through and even printed a receipt, which sadly, I threw out. Then *bamf*, declined nine hours later.

    Nine hours is a hell of lag time!
     
  4. MacDawg macrumors Core

    MacDawg

    Joined:
    Mar 20, 2004
    Location:
    "Between the Hedges"
    #4
    Definitely odd to get an authorization code from the bank (which would be required) and then have it declined 9 hours later.
    You may want to follow up with the credit card to find out why it was declined, etc.
    I really don't think this is an Apple Pay issue per se, but it is strange to say the least.
     
  5. ecschwarz macrumors 65816

    ecschwarz

    Joined:
    Jun 28, 2010
    #5
    I'd wait and see if it posts to your account after a day or two. They may have had a snag on their back end with the pending transaction (I've had this happen where a pending one disappears, only to reappear once it posts).
     
  6. Böhme417 macrumors 6502a

    Joined:
    Mar 11, 2009
    #6
    I have had this happen once or twice as well. The transactions eventually did show up on the card within a few days.
     
  7. maxxodd macrumors member

    Joined:
    Nov 2, 2012
    #7
    That is weird. I’ve had a chase card associated with my Apple Pay and have never had a decline period, let alone hours later. You’re right about the potential implications for the vendor.
     

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7 May 21, 2019