So…. Going back to the past point where my bank declined the payment and sorted it out with the bank again, as someone mentioned here they called Apple, which I did call Apple and I made sure that everything was sorted and they said everything is sorted all the payments at card accepted it’s just a waiting time for me now.
What Apple representative also said, why the reason it was declined using ApplePay, is apparently with ApplePay and large amount can trigger an issue because it doesn’t use the actual card number and the Bank would a lot of the times would see it as fraud and trigger a fraud detection, so he said anything that’s larger than let’s say £500 it could cause it not to go through.
It’s weird, never had this problem in the last few years, bought so many large amount items using ApplePay.
Live and learn I suppose.