User level: Level 1 (8 points)When making purchases on platforms like Instacart, and I’m using my EBT card for the food portion and Apple Cash for the cash portion, Apple Pay declines the transaction if the amount in my wallet is less than the total cart amount, including the food portion that the EBT card covers. Is there a way to fix this?
Posted on Oct 7, 2026 8:07 AM
User level: Level 9 (64,078 points)Oct 8, 2026 3:38 AM in response to sheresefromroxbury
Hi, a payment is approved or declined by the information presented to the automated service. In other words the app is sending an amount to approve or decline. The app is sending the total amount of the transaction, not just the portion due. The merchant needs to revise the app to reflect only the portion due, and not the total transaction amount.
This doesn’t look like an Apple Pay transaction. Are you entering the Apple Cash virtual details?
User level: Level 9 (64,078 points)Oct 7, 2026 11:59 AM in response to sheresefromroxbury
Apple is not a bank and does not approve or decline a transaction/payment. The EBT payment method you’ve added to Apple Wallet app is approved or declined by the bank that services the EBT card in your Wallet app.
Your EBT transactions are encrypted and Apple doesn’t have the key to decrypt the transactions. Apple does not participate in process.
What state issued your EBT card and what bank is servicing your payments/transactions?
User level: Level 1 (8 points)Oct 8, 2026 3:14 AM in response to Jeff Donald
I’m in Virginia. And I haven’t added my EBT card to my wallet. Lemme explain. So I use the Instacart app very often since I don’t have a car. The first image is what the cart looks like before checking out. There’s a EBT SNAP portion($23.47) and the remaining few dollars ($6.60) is the cash portion required to complete the order. The second photo is Apple Cash declining to pay the cash portion, because they’re expecting me to have the TOTAL amount of the cart ($30.07) available in Apple Cash instead of only charging me the cash portion of the cart. But if I use my Apple Pay wallet with, let’s say, my Navy Federal account, it will only attempt to charge me for the cash portion remaining it I hope that clears up the question? Why does Apple Cash require the full amount of the entire cart available before approving the transaction?
Originally posted at discussions.apple.com/thread/256371967