Yeah, recently my Apple Watch stopped being usable with the tap terminals at a certain gas station chain here. I have to use the physical card. I use the Apple Watch tap at basically all vendors that accept tap, except this one gas station brand. Weird, right? Especially strange is that I paid with the same Apple Watch and Apple Pay setup for a long time (like years) and one day they just stopped accepting it.
For some reason, recently Apple Pay on my phone stopped working on the local trams. It works everywhere else, and Apple Pay on my Apple Watch, using the exact same card, works fine. No idea what weird technical glitch is going on there. The tram company says Apple Pay is supported.
In general, when you have this kind of bugs, it have to do with transaction amount limits which looks like they are a mixed bag of rules from the terminal and the card itself.
In the early days of mobile payments, I remember that some terminals were configured to enforce the legal limit for contactless cards (which was 30€ IIRC) even if you paid with mobile.
I haven’t encountered this issue for the last few years though, I even forgot my card PIN.
Oh, yeah no in this case you tap ahead of making the transaction. Maybe it preauths a certain amount? But.. I've made purchases of like $350 with Apple Pay, maybe more.