If Apple Pay or Google Pay is failing at checkout, it is usually because the billing details sent by the wallet don't fully match what the card expects, especially the ZIP or postal code.

Try paying by entering the card manually instead of using the wallet. That usually solves the issue right away.

Wallets pull billing information automatically, and sometimes that information is slightly different from what your bank has on file. Entering the card directly lets you control the billing info that gets sent.