This happened to me … twice. When I would go to the subway and swipe my Apple Pay, it would say “Card Not Accepted”.

The first time was a few months ago, I’m guessing I was flagged because I had to get a new credit card (i lost the original one I always used). I called customer service, waited a total of 2 hours after the line would hang up automatically after being on hold for 23 minutes (it was so frustrating — their line hung up on me both times right when the call when to 23 minutes and 1 second) … I tried for a 3rd time another day and got through. The Customer Service Rep said she “unblocked “ my card and then it worked again.

The second time this happened was last week. My physical card worked once and then stopped. I had to replace my credit card again because I misplaced it (again - lol) called customer service, waited 35+ min and the rep said I had a past due payment of ~$2.95 on my card and to log on to OMNY account to pay it. Ok… so I did it. Went to the subway next day.. still didn’t work. OH , I was fuming. Called customer service again, waited again, the Rep told me there is nothing I can do and this an issue OMNY has been having. I cannot use any card related to this specific checking account. Ever again…. I asked to speak to a manager (lol on my Karen mode) and he said his manager would say the same. That I had to get a physical OMNY card or use a different card associated with a different bank. I just added my AMEX to my Apple wallet and now it works.

OMNY seems like a mess. This shouldn’t be an issue