yeah with Lloyds bank, I avoid Apple pay for purchasing big items from Apple. I’ve had issues before. It’s a pain in the assMy bank (Lloyds) will not even admit there is one. I can use my CC to buy a iPhone, but not Apple Pay, despite using Apple Pay for just about everything else.
I have asked them several times why Apple Pay will not work on large purchase, but, they just say “it must be a limit applied by the retailer“.