Used Apple Pay on my phone and watch and both declined yesterday. Then used my chip and pin and it worked very strange. No reason in app why it was declined. I didn’t think Apple Pay countered towards contactless payments to trigger chip and pin.
Possible issue with reader? I’ve had issues with Apple Pay Amex doing that. Chip and pin worked immediately after
I think @Brian’s suggestion may be a good shout. You’re right that mobile wallet transactions have no bearing on the contactless count.
Indeed, it seems like it wasn’t the contactless count causing the issue but a problem with the reader.
Could it have been a “torn” transaction, where the handoff of data between the card and reader wasn’t quite complete before you moved the card away, and thus it failed?