My Apple Pay keeps getting declined

I am sorry that didn't help. I was doing my best at guessing the missing part of the story. Just something to do with Apple Pay and "declined"... Where are you seeing this message? What exactly does the message say? Frequently if we know exactly what it says, that head us along the path to helping you.

If your Apple Pay Cash account is restricted or locked, read this support article --> If your Apple Cash account is restricted or locked - Apple Support

OR?? -->

Check this resource about what to do if your payment method is declined in the App Store or iTunes Store. Click here --> If your payment method is declined in the App Store or iTunes Store - Apple Support

- Apple is checking with your financial institution if the payment method is valid and receiving a negative, or no, response. Make sure the name and address are entered exactly as it appears on your financial institution bills and that the 3 digit CVV is correct. Check with your financial institution about the status of your card.

- Make sure your payment method is up to date or to try a different one ( If you need to change or update your Apple Account payment method - Apple Support ).

- Make sure this is one of the payment methods that you can use with your account, as listed in this support article: Payment methods that you can use with your Apple Account - Apple Support .

・Unfortunately the payment methods list is somewhat general and does not include individual brands of cards (I guess there are too many and are constantly changing). This thread is an example of where a person was not using an acceptable kind —> Why are my cards not supported on the MFI… - Apple Community

・Also read any footnotes in the document.

・If you are trying to use a payment method from another country you may encounter problems. Apple nowhere states outright your payment method must come from the same country as that to which your ID is set, but some contributors to the forum (none of us work for Apple) say—without any substantiation on Apple's part—this is the case. In fact what Apple says about international payment methods is found in If your payment method is declined in the App Store or iTunes Store - Apple Support where it says: "You might need to ask your financial institution to allow international purchases on your debit or credit card". It could be there is some other unstated requirement that raises problems such as the billing address for the card must be in the same country as your account country even if the issuer is a foreign bank. Apple does not say but usually it is easiest to just use a card from the same country as your Apple Account setting.

・Finally, note that the document only says which methods _are_ acceptable. Apparently certain types (usually a credit or debit card) _must_ also be present under certain situations such as when a subscription is involved.

If you still have problems, contact official Apple Support. Click here --> Choose your country or region - Official Apple Support Select your country, then a product. If you don't see one that handles your issue then keep experimenting with selections until you reach one that gets you a chat session or a telephone call and get the representative to redirect you.

or:

See a list of Apple phone numbers around the world, in this article --> Contact Apple for support and service - Apple Support

If you're in India, click on this link to read an April 2022 notice 'About billing for Apple subscriptions and media products in India' --> About billing for Apple subscriptions and media products in India - Apple Support

Additional verification that may be required when making purchases in Europe --> https://support.apple.com/HT210340

Apple is not a bank. Only the issuing bank can approve or decline a transaction. So, if the bank didn’t decline it, mostly likely an issue with the merchants network, or merchants credit card processor. Occasionally, it’s an issue with the Payment Network Operator (Visa, Mastercard, American Express etc.). Apple’s role is done when the token representing your card is transmitted between your iPhone and merchants transaction terminal. From that point on it’s between the merchant and your bank.