Hi all, just wanted to ask if anyone had any problems with Apple Pay on Apple Watch (series 9) didn’t work at our local farm foods, funds were enough! Strange cause it worked half hour before in Petrol station. Was double checking if I set it up ok?
Might have been a matrix glitch 
If it worked and then it didn’t, you have funds and there’s no decline from Monzo, it’s just an error that can happen.
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This tends to be the reader and occasionally the bank in my experience. Sometimes for extra security you might be requested to put your card into the machine rather than tap via Apple pay. Ive had it where the readers are just temperamental.
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Sometimes they just decline because they time out in sending/receiving data, would be better if they said Time Out rather than a straight Declined.
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I very rarely have my card with me. That’s the point of Apple Pay!
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