I only use Google Pay for the Just Eat app. To be honest I find it far easier to use my physical card in public - I guess that makes me a caveman in this day and age Generally I use my computer (not phone) to order online and use PayPal.
Unfortunately I’ve notifications turned off for Curve and for some reason the “declined reason” isn’t against the item in your timeline after the fact (another idea that needs voting for I guess).
I’ve been a hermit for the past 2/3 weeks for various reasons so I haven’t actually used my physical card in that time (unusual for me). I’ll do some testing during the week and see what I get (decline reason etc.) I’ll also make a physical chip & pin purchase to see if that changes anything before I detach/reattach cards etc.
I’ll let you know the outcome.