Apple Pay issue?

Hi shantera288

Welcome to the Apple (user-to-user) Community.

Am no expert in this area, yet your question deserves a response:

We are all Apple users, like yourself, so have no access to your accounts or details.

We'd like to help, however.

Re: How do I verify my Apple Pay card so that it will stop declining transactions

You may want to check your card is one that Apple in your country can accept:

Check if Apple Pay is available in your country or region: and, if so, the Apple Pay participating banks:

Countries and regions that support Apple Pay – Apple Support

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or

If your credit / debit card that you use for Apple Pay was not verified with the card-provider when you "Set-up" Apple Pay, you may still need to verify with them.

See: Set up Apple Pay

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If your declined transactions were for purchases from Apple:

What to do: If your payment method has been declined in the App Store or iTunes Store – Apple Support

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If you need to very your identity with Apple:

Identity verification for Apple Card or Apple Cash – Apple Support

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If you need more support:

Here's a link to the Apple Pay Support Website:

There is a "Get Support" link at the bottom.

Apple Pay - Official Apple Support

All the best :-)