I made an Apple pay payment of $5. About 6 hours later I got a message on my device that my payment had been declined. After that I tried to buy something with the credit card linked to Apple Pay. No issues with the credit card. I have a hard time interpreting this. Doesn't Apple Pay charge immediately to the credit card? How can it decline after 6 hours? How can vendors then trust Apple Pay? It seems to me I got a free lunch.