I was indeed doing an IUP. And what a nightmare it ended up being. I had brought my new iPhone 11 Pro in with some issue... the Apple employee helping me thought it would be easier to just do a return and issue new phone. I didn’t realize he was doing this until he had processed a return. But then Citizens One woulnt approve the new phone (because it takes 24-48 hours to update their system that I had returned the first). I had to leave and come back several days later. With no phone. I was not happy. And when they finally processed the exact same phone, it cost a lot more... figured out that I was at an Apple store in Tacoma, which has a local sales tax on top of state tax. All in all, horrible experience.
But when I made the payment (tax I assume), I still don’t get why it wouldn’t take Apple Pay, and he had to manually enter all the info. He couldn’t even insert the chip card.