At a weekend market my tap declined twice, so I calmly gathered the context (device model, iOS version and the exact error text) and filed a single focused report using the Apple Pay support page at https://apple-pay.pissedconsumer.com/review.html – I described the problem, listed the device/os details, and noted which bank issued the card. I asked them to run a provisioning/profile refresh and to coordinate with the card issuer; support pushed a remote update and had me restart the device, after which payments cleared. If that doesn’t work, request escalation to payments operations and a temporary workaround (manual card entry or standby card) while they investigate.