This analysis describes what Apple Pay's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Users may be charged on a secondary or tertiary payment method without any additional confirmation step at the time of the failed transaction.
A reader's backup payment methods can be charged automatically and sequentially if their primary method cannot be processed.
How other platforms handle this
If a payment is not successfully processed, due to expiration, insufficient funds, or otherwise, you remain responsible for any uncollected amounts and authorize us to continue billing the Payment Method, as it may be updated.
You also authorize us to retry any failed authorizations. We may use data provided to us by our partners to determine when to schedule such retries.
your credit card or other payment information is collected and processed by our third-party payment processors...the payment information that you provide through the Services is transmitted directly to our payment processor.
"If your primary payment method cannot be charged for any reason...you authorize Apple to attempt to charge your other eligible payment methods in order from top to bottom as they appear on your account settings payments page.Excerpt from Apple Pay's Apple Media Services Terms
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Users may be charged on a secondary or tertiary payment method without any additional confirmation step at the time of the failed transaction.
A reader's backup payment methods can be charged automatically and sequentially if their primary method cannot be processed.
ConductAtlas has identified this type of provision across 230 platforms. See the full comparison.
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