Why is my card being declined on Apple Pay for purchases?

Hey there,

How to complete your purchase if a payment failed or was declined:

1. On your iPhone or iPad, open the Settings app.
2. Tap your name.
3. Tap Payment & Shipping.
4. Add a different payment method and remove the old one. 
5. Try to complete your purchase.

If you still can't make a purchase:

• You might have an unpaid order. Learn how to pay an unpaid order.
• Contact your financial institution. 
  • You might need to ask your financial institution to allow international purchases on your debit or credit card.
  • If you want to know why a debit card, credit card, or other payment method was declined, speak with your financial institution. Apple doesn't have information about why the payment method was declined.
• In some countries and regions, your payment method might be declined because of changes to local law. Learn about billing and purchases in Europe. 

Are these purchases from Apple or from merchants other than Apple?

Every time I do all the prompt it doesn’t work do I have to unlock it and how I do so

Can’t open Apple Pay it keep declining

You activate Apple Pay by double clicking the side button (power button).