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Apple Pay Not Working on iPhone? Here Are 10 Easy Ways to Fix the Issue


Apple Pay is a fast, safe, and convenient payment option. But if iPhone users can’t use Apple Pay, it’s not all roses. The good news is that there are some simple ways out of that jam.

All of the steps below will work if you are in an Apple Pay-accepting country and retailer.

1. Set up Face Id or Touch Id Properly on iPhone

Make sure your Touch ID fingerprint and PIN are appropriately set up before using Apple Pay on an iPhone with Touch ID. Make sure Face ID is properly configured on your iPhone before using Apple Pay. If you plan on using Apple Pay with your Apple Watch, you’ll need to create a passcode on the device.

2. Make Sure You Are Signed in To iCloud

You must be logged into iCloud on your device for Apple Pay to function. In order to utilize Apple Pay, you must keep your credit and debit cards saved on the iPhone at all times. Be sure you’re logged into iCloud before continuing.

3. Select a Card Manually

If the NFC reader fails to recognize Apple Pay when you bring your card close to the terminal, the device may malfunction. Here, it’s best to pick a card at random. So as to:

  • Launch the iPhone’s Wallet app.
  • The next step is to choose the desired payment method.
  • Just hold your iPhone up to the reader and you’ll be able to pay with it.
  • To verify your identity when prompted, use Touch ID or Face ID.

4. Ask the Store for a Different Reader

There are times when the reader at the store where you are attempting to pay is the one at fault. If you’ve already tried the aforementioned solutions and Apple Pay still won’t work, just request a different reader from the cashier. Make use of all the store’s payment options if there are more than one.

Never forget the terminal that serves your needs. This will make future purchases simple and convenient.

5. Restart Your iPhone

Many troubles with your iPhone can be temporarily resolved by restarting the device. Restarting your iPhone every week or so is recommended.

If you are having trouble using Apple Pay, rebooting your device may solve the problem.

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6. Remove Your Card from Wallet App and Add It Again on iPhone

Have a card that has failed you more than a few times? If it doesn’t work, try removing it and then adding it back in. So as to accomplish this:

  • Choose Wallet & Apple Pay in the Settings menu.
  • Next, hit the Remove Card button next to the card you want to get rid of.
  • To do this again, select Wallet & Apple Pay in Settings.
  • Select the Add Card option.

In order to use Apple Pay once more, please follow the on-screen instructions.

7. Have You Added a New Card?

An authorization handshake takes place between your bank or card issuer and Apple Pay whenever you add a new card to your Apple Pay account. The card is not used for payment while it is in the authorization phase. The time required for this verification can range from a minute to several hours.

Not all new cards are automatically added to Apple Pay, and the process can become stalled if it is. Removing the card and re-adding it according to the instructions given in the previous solution (#6) should resolve the issue.

We expect this to resolve the problem. If it doesn’t, and your card’s status hasn’t changed from “Activating” in less than 15 hours, you’ll need to contact your bank or the card issuer to have the activation procedure fixed or accelerated.

8. Check Apple Pay Is Not Down

apple pay not working

In the present day, the only accepted method of payment besides cash is online, through a network of servers and the cloud. There is a remote possibility that Apple Pay won’t function if the underlying web services are down.

See if Apple Pay is active by visiting the company’s official System Status website. If Apple Pay is ready to be used, a green dot will appear before the payment option.

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9. Check for Any Pending Software Update on iPhone

apple pay not working

Every software update either brings brand new functionality or fixes previously discovered issues. Whether you’re having problems with Apple Pay, see if there’s an update for your device.

While this process is necessary, it won’t help you right now if you’re standing in line at the store hoping Apple Pay will finally connect. Nonetheless, you shouldn’t rule out giving this a shot. Doing so will protect you from potential Apple Pay difficulties.

To check for an update on your iPhone’s software, open the Settings app and go to General > Software Update.

10. Reset Your iPhone

apple pay not working

Last but not least, rebooting your smartphone may solve the Apple Pay issue if none of the preceding remedies do. You should note that resetting will wipe your device, so don’t forget anything important before you do. Having a full backup of your iPhone is a must before doing a factory reset.

Don’t resort to this strategy unless you’ve exhausted all the others first. Fixing Apple Pay in this manner has met with limited success.

If you want to factory reset your gadget, read on!

Start by selecting Settings > General > Transfer or Reset iPhone.

Erase All Data and Preferences can be accessed by clicking that button.

In Conclusion

The issue you’re facing with Apple Pay may be solved by using one or more of the aforementioned methods. Finally, please contact Apple Support if none of the above steps helped.

Remember that the retailer and the payment terminal could be at fault even if Apple Pay is functioning well on your end.

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