I just had a bit of a flap - I had a call from my bank's fraud line questioning my Apple transaction. I confirmed it was genuine and then had to go back into my account and get them to resubmit the payment request. It's all gone through now.
Most likely, yes. I don't know whether the fact that I paid by Apple Pay had anything to do with it as well. I'd have thought that was more secure. Anyway, it's all sorted now.Likely 'cause you bought both a watch and phone - probably set the "someone's got your card details and is having a field day on the Apple site" alarms off