Apple Pay Using Wrong Card

I selected the card I want to pay with from wallet. I try to make the payment with that card. On my phone it says the payment failed, however the card reader says the payment was accepted. I then get a notification that a different card in my wallet was charged even though I did not want to use that card.

Posted on Aug 12, 2025 12:39 PM

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Posted on Sep 10, 2025 11:47 PM

I am in Spain and using a card from Australia. Looking into my wallet it appears it used my default card but still annoying as that card is aud and has high fees where the card I wanted to use was a travel card with Euro. Just annoying that I tried to pay with one card and it just used another automatically. I realised in apple wallet settings the card that was used was the default card so I have changed that now but still shouldn’t just default as there were sufficient funds on the card I tried to use . This has happened twice now since I arrived.

32 replies

Sep 10, 2025 1:57 PM in response to Phil0124

i am on holiday in Europe and have a wise card with euros. A few days ago I had an error when trying to pay only to realise the payment came off a different card. Tonight I used Apple Pay again and got the same error. I definitely selected the right card as the first time it happened I thought it was strange so have been extra careful in selecting the right card and tonight i got the same error then a message saying payment was made on another card. Super annoying.

Sep 14, 2025 8:16 PM in response to arran209

I have experienced the same issue previously, and it just started happening again in the past two days. I am in the US, and both of my cards are credit cards. My experience is exactly the same as other users report. I double click the right button to use my default credit card, I receive a notification on the phone that the charge could not process, but a different credit card is charged without my authorization. Has anyone discovered a fix? This just started happening for me again since I installed an update. I’m on an 11 Pro running iOS 18.6.2

Sep 23, 2025 6:54 AM in response to arran209

Yes, same here. And it’s been happening for months now. At first I thought it was at a specific gas station so I avoided it. Then it started happening sporadically elsewhere. Now it’s happening with increased frequency. I have triple checked all settings and have deselected any options to automatically charge a different card. This is a horrible bug that we need you, Apple, to please take seriously.

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Apple Pay Using Wrong Card

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