topic Re: Altitude Reserve is frequently declining on Apple Pay in Credit Cards

Altitude Reserve is frequently declining on Apple Pay - Resolved

NRB525 — Mon, 23 Mar 2020 07:06:08 GMT

Lately as I have been using Altitude Reserve, I have gotten three or four declines at different stores. They do Apple Pay, but seem not to get through. Have to use another card, often as tap to pay, so it's not the contactless NFC issues.

Anyone else notice/ experience this recently?

Re: Altitude Reserve is frequently declining on Apple Pay

blindambition — Sat, 07 Mar 2020 21:49:27 GMT

@NRB525 wrote:
Lately as I have been using Altitude Reserve, I have gotten three or four declines at different stores. They do Apple Pay, but seem not to get through. Have to use another card, often as tap to pay, so it's not the contactless NFC issues.

Anyone else notice/ experience this recently?

First time seeing this. Not a glowing endorsement for ApplePay. Did you contact US Bank? Sounds like communication issues on one, or both ends? Have you deleted and reenrolled?

Re: Altitude Reserve is frequently declining on Apple Pay

Trikoret — Sat, 07 Mar 2020 22:55:37 GMT

Are you a new customer? I've been 2 months so far and I was getting declines. I would get a Security text message to call them. They told me it's cause I'm a new customer and it's going to take 60 days for the system to get used to my usage.

Re: Altitude Reserve is frequently declining on Apple Pay

K-in-Boston — Sat, 07 Mar 2020 23:05:21 GMT

I have not used mine recently since I've been working on Business Platinum SUB, but no issues ever with Apple Pay and AR. For the first year I was using it constantly. Have you been using any other cards with Apple Pay lately? (Edit: Reading comprehension. Oops! Yes you have.). Sometimes there can be a hardware issue if it's failing to go through. But if the charges are being denied, there's likely something up with the setup or for some reason they are charges that USB would be declining even if card present.

Re: Altitude Reserve is frequently declining on Apple Pay

NRB525 — Sun, 08 Mar 2020 00:02:16 GMT

Nike Store today, $45, PetCo last week for $26. These aren't outlandish charges, so should just be going through.

When I go to back up card, it's usually a physical card, not another ApplePay card.

Been a customer with this card for two years or so. Guess I will lean into it, try it more consistently and then try other cards on Apple Pay.

These are at POS terminals in stores. I've also been using Apple Pay for online / appcharges that can go through Apple Pay, and often switch the card that gets selected. Even in those cases though I have used Altitude.

Re: Altitude Reserve is frequently declining on Apple Pay

Anonymous — Sun, 08 Mar 2020 16:30:16 GMT

@NRB525 wrote:
Nike Store today, $45, PetCo last week for $26. These aren't outlandish charges, so should just be going through.
When I go to back up card, it's usually a physical card, not another ApplePay card.
Been a customer with this card for two years or so. Guess I will lean into it, try it more consistently and then try other cards on Apple Pay.

These are at POS terminals in stores. I've also been using Apple Pay for online / appcharges that can go through Apple Pay, and often switch the card that gets selected. Even in those cases though I have used Altitude.

Yes, certainly trying Apple Pay with a different card will help isolate the issue. I've had no issues with AR using Samsung Pay, except at one particular store it always asks for a PIN (like a debit card transaction) but pressing Enter makes the transaction continue anyway.

Re: Altitude Reserve is frequently declining on Apple Pay

Remedios — Sun, 08 Mar 2020 16:34:09 GMT

I dont have iPhone, but the only "declines" I got happened in the couple of stores, it errors several times before transaction goes through.

This is not specific to AR though, it happens regardless of which card I use.

One store is Walmart, and the other one is some craft store.

Re: Altitude Reserve is frequently declining on Apple Pay

VPExecutive — Sun, 08 Mar 2020 17:03:41 GMT

@blindambition wrote:
@NRB525 wrote:
Lately as I have been using Altitude Reserve, I have gotten three or four declines at different stores. They do Apple Pay, but seem not to get through. Have to use another card, often as tap to pay, so it's not the contactless NFC issues.

Anyone else notice/ experience this recently?
First time seeing this. Not a glowing endorsement for ApplePay. Did you contact US Bank? Sounds like communication issues on one, or both ends? Have you deleted and reenrolled?

Apple Pay has reached its peak popularity in the U.S. The hype was good when it came out in 2014, but it's barely gained traction six years later. I haven't seen someone use it since 2015. I can see why, though, there's technical issues and many merchants here don't feel like cooperating with contactless technology.

You would think 5-6 years after the EMV rollout and contactless implementation, I could walk into ANY merchant and see a customer facing terminal that takes both technologies, but that isn't the case.

Re: Altitude Reserve is frequently declining on Apple Pay

imaximous — Sun, 08 Mar 2020 17:42:46 GMT

I haven't had any issues with either Apple Pay or Samsung Pay. I've had my card loaded on both for over 2 yrs. In fact, from all cards I have, AR is the only one that's never declined a charge or required verification even for very large purchases.
Also, except for travel, all my charges are via mobile wallet. Everything goes through and I've charged close to $8k above my limit. Not sure how much more I could've put on it.

Re: Altitude Reserve is frequently declining on Apple Pay

imaximous — Sun, 08 Mar 2020 17:45:22 GMT

@Remedios wrote:
I dont have iPhone, but the only "declines" I got happened in the couple of stores, it errors several times before transaction goes through.
This is not specific to AR though, it happens regardless of which card I use.
One store is Walmart, and the other one is some craft store.

Yup. In my case, I've had to try a couple of times with Samsung Pay at Walmart and Home Depot stores. Neither accepts mobile wallet payments, so it has to do with MST and the terminal not liking each other at times.

Re: Altitude Reserve is frequently declining on Apple Pay

imaximous — Sun, 08 Mar 2020 17:47:57 GMT

@Anonymous wrote:
@NRB525 wrote:
Nike Store today, $45, PetCo last week for $26. These aren't outlandish charges, so should just be going through.
When I go to back up card, it's usually a physical card, not another ApplePay card.
Been a customer with this card for two years or so. Guess I will lean into it, try it more consistently and then try other cards on Apple Pay.

These are at POS terminals in stores. I've also been using Apple Pay for online / appcharges that can go through Apple Pay, and often switch the card that gets selected. Even in those cases though I have used Altitude.
Yes, certainly trying Apple Pay with a different card will help isolate the issue. I've had no issues with AR using Samsung Pay, except at one particular store it always asks for a PIN (like a debit card transaction) but pressing Enter makes the transaction continue anyway.

That actually happens quite a bit when using SP at terminals that don't take mobile wallets and payment goes through MST.

Re: Altitude Reserve is frequently declining on Apple Pay

Anonymous — Sun, 08 Mar 2020 18:56:46 GMT

@imaximous wrote:
@Anonymous wrote:
@NRB525 wrote:
Nike Store today, $45, PetCo last week for $26. These aren't outlandish charges, so should just be going through.
When I go to back up card, it's usually a physical card, not another ApplePay card.
Been a customer with this card for two years or so. Guess I will lean into it, try it more consistently and then try other cards on Apple Pay.

These are at POS terminals in stores. I've also been using Apple Pay for online / appcharges that can go through Apple Pay, and often switch the card that gets selected. Even in those cases though I have used Altitude.
Yes, certainly trying Apple Pay with a different card will help isolate the issue. I've had no issues with AR using Samsung Pay, except at one particular store it always asks for a PIN (like a debit card transaction) but pressing Enter makes the transaction continue anyway.
That actually happens quite a bit when using SP at terminals that don't take mobile wallets and payment goes through MST.

In this case, the store does take mobile, and works fine when I use another card with SP, so for whatever reason, it is specific to AR.

Re: Altitude Reserve is frequently declining on Apple Pay

NRB525 — Sun, 08 Mar 2020 23:45:08 GMT

Again today at Staples, $6 declined. Switched to AMEX Green on Apple Pay, approved.

I think I will remove the AR from alll my Apple Pay instanced and re-authorize it tomorrow. Remove tonight, add back tomorrow.

Re: Altitude Reserve is frequently declining on Apple Pay

NRB525 — Mon, 23 Mar 2020 07:05:37 GMT

Waited a few days, then went through the steps to re-add Altitude Reserve to Apple Pay. Since then, have done several purchases at different retailers with all charges being approved.

Very much like the help desk issues on PC's where a re-start is what solves the issue.

Re: Altitude Reserve is frequently declining on Apple Pay

K-in-Boston — Mon, 23 Mar 2020 14:52:45 GMT

*ring*

"IT. Have you tried turning it off and on again?"

Glad you got it sorted and thanks for updating in case someone else runs into the same issue.

Re: Altitude Reserve is frequently declining on Apple Pay

Anonymous — Mon, 23 Mar 2020 15:41:40 GMT

@K-in-Boston wrote:
*ring*
"IT. Have you tried turning it off and on again?"

Glad you got it sorted and thanks for updating in case someone else runs into the same issue.

Right, one of the catch phrases of "The IT Crowd" But then one day I was on a transatlantic flight, waiting to take off from Boston. The captain explained that there would be a delay as the instrumentation system was indicating an error. "We are powering it down then up again. Should take about 20 minutes". 30 minutes later we took off (and I assume it really was working!) So, even for systems more critical than a PC!

Re: Altitude Reserve is frequently declining on Apple Pay

Revelate — Wed, 25 Mar 2020 13:26:09 GMT

@VPExecutive wrote:
@blindambition wrote:
@NRB525 wrote:
Lately as I have been using Altitude Reserve, I have gotten three or four declines at different stores. They do Apple Pay, but seem not to get through. Have to use another card, often as tap to pay, so it's not the contactless NFC issues.

Anyone else notice/ experience this recently?
First time seeing this. Not a glowing endorsement for ApplePay. Did you contact US Bank? Sounds like communication issues on one, or both ends? Have you deleted and reenrolled?
Apple Pay has reached its peak popularity in the U.S. The hype was good when it came out in 2014, but it's barely gained traction six years later. I haven't seen someone use it since 2015. I can see why, though, there's technical issues and many merchants here don't feel like cooperating with contactless technology.

You would think 5-6 years after the EMV rollout and contactless implementation, I could walk into ANY merchant and see a customer facing terminal that takes both technologies, but that isn't the case.

Now that you mention it, want to bet post COVID-19 (or even during) that the hype train comes back on contactless payments?

Places are begging folks not to pay with cash now for fear of transmission and we're getting all sorts of idiosyncracies with credit cards... went through In-N-Out as something of a nostalgia thing before I head across the desert and now they're handing the credit card terminal out through the drive through window... watching this dance is pretty funny though I didn't get it right the first time either in terms of being on target.

I think there's a strong possibility we might see more mindfulness and it's quite clear waving a hand or something held inside it is better than a bunch of people physically touching a surface, or conversely a person touching a whole lot of credit cards and then handing them back. May be some optimizations and this technology already exists so wouldn't be hard to implement and the larger the adoption the faster the issues will get resolved.

Re: Altitude Reserve is frequently declining on Apple Pay

VPExecutive — Thu, 26 Mar 2020 16:54:01 GMT

@Revelate wrote:
@VPExecutive wrote:
@blindambition wrote:
@NRB525 wrote:
Lately as I have been using Altitude Reserve, I have gotten three or four declines at different stores. They do Apple Pay, but seem not to get through. Have to use another card, often as tap to pay, so it's not the contactless NFC issues.

Anyone else notice/ experience this recently?
First time seeing this. Not a glowing endorsement for ApplePay. Did you contact US Bank? Sounds like communication issues on one, or both ends? Have you deleted and reenrolled?
Apple Pay has reached its peak popularity in the U.S. The hype was good when it came out in 2014, but it's barely gained traction six years later. I haven't seen someone use it since 2015. I can see why, though, there's technical issues and many merchants here don't feel like cooperating with contactless technology.

You would think 5-6 years after the EMV rollout and contactless implementation, I could walk into ANY merchant and see a customer facing terminal that takes both technologies, but that isn't the case.
Now that you mention it, want to bet post COVID-19 (or even during) that the hype train comes back on contactless payments?

Places are begging folks not to pay with cash now for fear of transmission and we're getting all sorts of idiosyncracies with credit cards... went through In-N-Out as something of a nostalgia thing before I head across the desert and now they're handing the credit card terminal out through the drive through window... watching this dance is pretty funny though I didn't get it right the first time either in terms of being on target.

I think there's a strong possibility we might see more mindfulness and it's quite clear waving a hand or something held inside it is better than a bunch of people physically touching a surface, or conversely a person touching a whole lot of credit cards and then handing them back. May be some optimizations and this technology already exists so wouldn't be hard to implement and the larger the adoption the faster the issues will get resolved.

The U.S will never get contactless right.

It fails too often even when you see the NFC symbol on the terminal. Other times, NFC is available but nothing indicates so.

Sometimes NFC will work on a terminal with a MasterCard but not with a Discover, etc. And honestly, the only reason people use chip is because they were forced to do so, and that's it. If swipe was still an option with chip, people would still be swiping today.

Re: Altitude Reserve is frequently declining on Apple Pay

Anonymous — Thu, 26 Mar 2020 20:03:50 GMT

So, in my first-world problem space: since I am in the "vulnerable" category, I've started getting groceries delivered. This is fine from WholeFoods as the Amazon card gives 5%. But from other stores, since I'm not doing a mobile payment, I can't use the Altitude Reserve! Perhaps they will give me extra in the stimulus package.

Re: Altitude Reserve is frequently declining on Apple Pay

Kforce — Thu, 26 Mar 2020 21:28:22 GMT

@Anonymous wrote:
So, in my first-world problem space: since I am in the "vulnerable" category, I've started getting groceries delivered. This is fine from WholeFoods as the Amazon card gives 5%. But from other stores, since I'm not doing a mobile payment, I can't use the Altitude Reserve! Perhaps they will give me extra in the stimulus package.

I pay the kids that were doing my yard to get groceries and pay a good tip with old fashioned cash.

Not earning a dime but better than going out into the world.