I can't pay with apple pay

Question

Level 1

5 points

I can't pay with apple pay

Hi everyone, I'm Colombian and recently moved to Dubai. I usually use Apple Pay with different cards, but since I arrived here, I've been unable to make any payments with it. The transactions are always rejected, and I've tried using cards from 3 different banks. I’ve already spoken with 2 of them, and they confirmed there’s no issue on their end. I also spent over an hour on the phone with support without finding a solution. To clarify, I’m able to pay with the physical cards without any problems. I'm wondering if any of you have experienced a similar issue when traveling to another country?

iPhone 13 Pro Max, iOS 18

Posted on Oct 4, 2024 12:47 PM

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Answer 1

Jeff Donald

Level 7

26,025 points

Oct 4, 2024 1:16 PM in response to CamiloZ

>>United Arab Emirates

You might need to enter your PIN for purchases over AED 100.<<

About limits when using Apple Pay in stores – Apple Support

Apple Pay has limited support for PIN. Merchants can also impose lower limits. Some transaction terminals aren’t properly programmed to ask for PIN on Apple Pay.

Do your banks see the transaction requests?

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Answer 2

CamiloZ Author

Level 1

5 points

Oct 4, 2024 1:22 PM in response to Jeff Donald

Yes, the bank and on my app I can see the transaction rejected, the problem is I try to pay from 1AED to try to 450AED on a restaurant and doesn't work, in the airport, in the restaurant, in the Hotel, everytime is "declined" but I use my physical card and everything good, and is not only 1 card are all of them.

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Answer 3

Jeff Donald

Level 7

26,025 points

Oct 4, 2024 1:36 PM in response to CamiloZ

Those are bank issues. Apple is not a bank and cannot approve or decline charges. If you’re seeing a decline in your Wallet app, that’s from your bank(s). VPN’s are known issue as they hide your location while the merchant is 1,000 km away.

If you don’t see a decline, then the merchant or the merchant’s credit card processor are blocking the data going to your bank.

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Answer 4

CamiloZ Author

Level 1

5 points

Oct 4, 2024 1:44 PM in response to Jeff Donald

I can see the declined in the Apple pay wallet, not directly from my bank, and how could be 3 banks, 2 from Colombia and 1 from here (Dubai) doesn’t working? the guy from the hotel helps me trying minimum payments like 1AED and any of them go through. Is really weird. (Thanks for the help btw)

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Answer 5

Jeff Donald

Level 7

26,025 points

Oct 4, 2024 2:21 PM in response to CamiloZ

They can’t appear in your Wallet app until they get to the bank for approval or decline of charge. When your bank declines the transaction it’s displayed in the Wallet. If it doesn’t appear it’s a merchant or network issue.

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Answer 6

Jeff Donald

Level 7

26,025 points

Oct 4, 2024 1:49 PM in response to CamiloZ

Look in the transactions under the card in your Apple Wallet. Does the declined transaction show?

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Answer 7

CamiloZ Author

Level 1

5 points

Oct 4, 2024 2:14 PM in response to Jeff Donald

yes, they are all of them

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