iPhone 6s Orders Declined by Bank Using Apple Pay on my iPhone

[Pfunstuff]

So, I just received my second email from Apple for the second iPhone 6s that I ordered on launch night telling me that my bank had declined my payment for the purchase. I ordered through the Apple Store app for both of them using Apple Pay for the credit cards I have loaded on my iPhone. One I ordered via AT&T Next and the other I paid for outright. Two different amounts for each phone. The AT&T Next phone just had sales tax charged to the card and was declined. The phone I paid outright for was charged to a different card, and it was declined as well. Did anyone else receive emails like this that paid using Apple Pay which I'm thinking is the likely culprit? I went into both orders and manually updated them with the same credit cards I used orginially and both payments processed the second time around. Both orders could have been delayed due to this but fortunately I updated the payment information quick enough so that didn't happen.

 

[DoofenshmirtzEI]

If you restored your phone between the time you placed the order and the time the cards were declined, then the DANs in your phone used for Apple Pay got reset, and this is why the payments failed.

 

[Applejuiced]

First thing I would do is call my bank.

 

[nikhsub1]

Apple pay is a fail.

 

[Pfunstuff]

If you restored your phone between the time you placed the order and the time the cards were declined, then the DANs in your phone used for Apple Pay got reset, and this is why the payments failed.

I did recently restore my phone, but I can't recall if it was before or after the charges were made. I'm thinking it was after but possibly before the amounts were actually charged to the cards. I don't know. I'm guessing that's likely the reason. I restored it after iOS 9 went live to the public which was about 4 days after the pre-orders were available. I would think they would have charged the cards 4 days after but maybe not.

 

[bueller1]

Same happened to me. Both on ATT next. I got one email yesterday and one email today. I called 6 times to sort it out and they assured me that someone was gonna call me back to take my payment cuz the system wouldn't let them edit, they kept saying "you'll get your packages on 9/25 no worries". Called again today, same crap. My phones are within an arms reach of my neighborhood lol. One 10 minutes and the other 2 hours. I'm not concerned

 

[Pfunstuff]

Same happened to me. Both on ATT next. I got one email yesterday and one email today. I called 6 times to sort it out and they assured me that someone was gonna call me back to take my payment cuz the system wouldn't let them edit, they kept saying "you'll get your packages on 9/25 no worries". Called again today, same crap. My phones are within an arms reach of my neighborhood lol. One 10 minutes and the other 2 hours. I'm not concerned

You used Apple Pay for both of yours as well?

 

[bueller1]

You used Apple Pay for both of yours as well?

Yeah, with a valid Amex. Like an idiot I restored the same iPad I used Apple Pay on maybe 2 days later. They tried processing my payments after the fact. I literally called 6 times, spoke to 1 normal person who said they would be contacting me to update my credit card, no contact yet. So I called a few more times spoke to incompetent kids that were reading scripts off a computer screen. At that point I gave up

 

[bueller1]

To be honest, I don't even think they understood why the payment didn't go through. I had to explain it to each rep several times. One of them even said "your card ending in 2434 was declined"....of course, I don't have a card that ends in 2434. She was reading the device account number, and didn't understand anything that I was saying lol. It baffles me how they haven't sorted out my payment on those taxes, yet my phone is still close by. If anything prevents delivery I'll raise hell, of the simple fact that I made an effort several times to give them my full Amex number. It's even the same Amex I use in my iTunes account.

 

[DoofenshmirtzEI]

I did recently restore my phone, but I can't recall if it was before or after the charges were made. I'm thinking it was after but possibly before the amounts were actually charged to the cards. I don't know. I'm guessing that's likely the reason. I restored it after iOS 9 went live to the public which was about 4 days after the pre-orders were available. I would think they would have charged the cards 4 days after but maybe not.

Happened to a lot of people because of the iOS9 thing, lots of ppl did the restore thing. Their card would get a pending authorization with the original DAN, drop off, and then when the full charge came through, it would fail.

 

[Pfunstuff]

Yeah, with a valid Amex. Like an idiot I restored the same iPad I used Apple Pay on maybe 2 days later. They tried processing my payments after the fact. I literally called 6 times, spoke to 1 normal person who said they would be contacting me to update my credit card, no contact yet. So I called a few more times spoke to incompetent kids that were reading scripts off a computer screen. At that point I gave up

I'm guessing my phone restore must have been the reasoning as well. I've never had a problem with Apple Pay, and the first response to my post about the restore makes sense.

 

[bueller1]

I'm guessing my phone restore must have been the reasoning as well. I've never had a problem with Apple Pay, and the first response to my post about the restore makes sense.

Yes that's the exact reasoning. I guess it's something to keep in mind next time preorders come around. It's kind of annoying cuz I can see that causing a hiccup in other scenarios where your payment isn't immediately processed, but whatever.

 

[unobtainium]

So, I just received my second email from Apple for the second iPhone 6s that I ordered on launch night telling me that my bank had declined my payment for the purchase. I ordered through the Apple Store app for both of them using Apple Pay for the credit cards I have loaded on my iPhone. One I ordered via AT&T Next and the other I paid for outright. Two different amounts for each phone. The AT&T Next phone just had sales tax charged to the card and was declined. The phone I paid outright for was charged to a different card, and it was declined as well. Did anyone else receive emails like this that paid using Apple Pay which I'm thinking is the likely culprit? I went into both orders and manually updated them with the same credit cards I used orginially and both payments processed the second time around. Both orders could have been delayed due to this but fortunately I updated the payment information quick enough so that didn't happen.

Very large Apple Pay purchases often get flagged by banks, in my experience. You are better off just using your credit card.

 

[bronzi]

Apple pay is a fail.

I used Apple Pay on 9/12 to preorder and no issues. I purposely didn't upgrade to IOS9 to avoid any issues.

 

[Tripzter]

Used ApplePay to order 2 iP6s+'s. One was paid with CC, the other was bank Debit Card. The bank declined the charge. Called bank to verify charge, then reauthorized the Debit Card. It went well.

While Fraud Prevention is good, the fuzzy logic used needs a little tweeking. I used my fingerprint to make a purchase and it still gets flagged. The bank explained "you don't normally make large purchases". <SIGH>

CC's are better for ordering from Apple.

 

[bueller1]

Used ApplePay to order 2 iP6s+'s. One was paid with CC, the other was bank Debit Card. The bank declined the charge. Called bank to verify charge, then reauthorized the Debit Card. It went well.

While Fraud Prevention is good, the fuzzy logic used needs a little tweeking. I used my fingerprint to make a purchase and it still gets flagged. The bank explained "you don't normally make large purchases". <SIGH>

CC's are better for ordering from Apple.

This scenario that the OP mentions, and that I went through, wasn't the bank declining for fraud. When you add a card to apple pay, it creates a device account number (DAN) which is linked to your card. I made the preorders then updated to iOS 9 and set up my iPad as new. Which means I had to add my cards back, creating new DAN's. When apple tried to process, the DAN no longer existed so it was declined.