Casey Liss, regarding a recent experience with Apple Pay:

Thinking back, I remember that my physical card had just been replaced in the last couple months. In fact, it was just before the failed Babies ‘R Us experience. Suddenly everything makes sense.

However, were it not for the friendly Whole Foods cashier, I never would have known the card stored in Apple Pay had expired. There was no messaging to that effect. All I was told was that I was DECLINED.

I can’t think of any reason why Apple Pay would tell you that your card is declined when it should know that it’s expired. But, that doesn’t sound like the kind of usability experience I want when I’m simply trying to make a purchase.