Apple Pay declined at specific locations on replacement iPhone

You’re welcome!

This is either a merchant issue or an issue with the merchant’s credit card processor.

The merchant can single out a specific bank not to accept via Apple Pay. The merchant’s processor may also be restricting specific Apple Pay transactions. The fact the cards work at all other locations confirms your iPhone and the banks are not the issue. The sudden change you be due to policy related changes or even technical limitations of the merchants POS terminal.

Apple does not approve or decline payments/transactions. Only the bank that issued the card you used can approve or decline a transaction. Please contact an Apple Card specialist at Goldman Sachs Bank.

CONTACTING — Goldman Sachs Bank 

Using Messages; chat with an Apple Card specialist

Call toll-free at 877-255-5923

Write to: Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112.

https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf

I'm having the same issue since an erroneous charge to my Apple Card last week caused me to change my Apple ID password. Now, after years of using AP with my phone or watch and as a Day 1 adopter, my Apple Card is consistently Declined via AP but works flawlessly as an old-school credit card. This problem is specific to my Apple Card — not affecting other AP cards — but occurs at all merchants in-person or on-line. I have removed the card from AP and re-added it without any resolution.

Do you have multiple cards in your Apple Wallet app for use with Apple Pay or just the one.

So, the alternate cards works using Apple Pay on your iPhone at places the other card doesn’t work, is that correct?

You’re welcome and I hope you have a great day!