Imagine this scenario – It is a beautiful morning, but you overslept and now you are running late for work. You hurriedly get ready and dash out of your house. It is only when you are on your way that you realize you left your cards and wallet at home. Thankfully, you have a solution – all your cards are stored in Apple Pay on your iPhone.
With a sense of relief, you head to a nearby station to catch a bus or train to work, and that is when the unexpected happens – Apple Pay is not working. Suddenly, you start to feel anxious because you did not bring your wallet or any physical cards with you. If you are an iPhone user and have found yourself in a similar situation, do not worry!
In this guide, I will walk you through everything you need to know about this issue and also discuss how you can fix Apple Pay not working on iPhone. So, without any more delay, let us dive right in. Shall we?
Fix Apple Pay Not Working on iPhone in iOS 17
Now, if you are wondering why you are facing the issue of Apple Pay not working on iPhone, there are actually several reasons that could be causing this issue. Firstly, it might be because of the case you have on your iPhone. Some cases can interfere with the functionality of NFC.
Secondly, it is also possible that the point-of-sale (POS) system you are trying to use does not accept Apple Pay as a valid payment method. Another reason could be that you are not logged in to your iCloud account or you did not properly verify the card when you initially set up the card in the Wallet app.
Additionally, if your iPhone is not opening Apple Pay when you hold it close to a payment terminal or if you are facing errors after tapping, the problem might stem from incorrect settings or software bugs within the iOS system.
Now, no matter what is causing the issue in your particular case, this guide will cover all the potential methods to help you fix the issue of Apple Pay not working on iPhone. So, with that information in mind, let us jump right into the solutions.
1. Ensure whether Apple Pay is supported in your Region
Apple Pay is a widely recognized payment system that simplifies banking and transactions, but it is important to understand that not all countries or regions around the world offer support for Apple Pay.
Before diving into troubleshooting, it is important to ensure that you reside in a location where Apple Pay is supported. Here is a list of regions that do support Apple Pay:
- Latin America and the Caribbean
- Middle East
- North America
It is important to note that if you have set up your iPhone and Apple Pay in any of the regions mentioned earlier, you can still use Apple Pay regardless of your location around the world.
2. Turn On the Passcode on iPhone
Apple Pay on your iPhone requires a passcode to work. If you have set up Apple Pay and then turned off your passcode, all the cards and keys you added to your Apple Pay will be deleted from your Wallet. This means you will not be able to access or use your cards through Apple Pay anymore.
So, if you find yourself unable to access or use your Apple Pay cards or keys by either double-pressing the side button or holding your iPhone close to a terminal, the solution is to turn on the passcode for your iPhone. Once done, you will need to re-add your cards and keys to your Wallet so you can continue using Apple Pay.
1. On your iPhone, open the Settings app from App Library or Spotlight Search.
2. Once the Settings app is open, scroll down a little and tap on Face ID & Passcode settings.
3. From here, scroll down and tap on Turn Passcode On.
4. Enter the new passcode twice and confirm it to activate the passcode.
Now that you have turned on the passcode on your iPhone, the next step is to close the Settings app and open the Wallet app from the App Library. Once the Wallet app is open, tap on the Plus (+) icon found in the top right corner of your screen.
Now, if you see an option called Previous Cards, tap on it. From here, you will be able to automatically add all the keys and cards back to Apple Pay.
However, if you do not see the Previous Cards option, you will need to manually add your cards. To do this, tap on the Debit or Credit Card option.
3. Use a Different Card on Apple Pay
If you find yourself unable to complete a payment using a card added to Apple Pay, it is a good idea to try using a different card for the transaction. Occasionally, the problem might not be with Apple Pay itself, but rather with your bank.
If your bank is experiencing technical problems or difficulties in processing payments, switching to a different bank card could resolve the issue. I personally encountered a similar situation once.
I attempted to make a payment using Apple Pay, and the transaction was declined twice. Initially, I thought the problem was with Apple Pay, but later I realized that the issue was on my bank’s end.
4. Use the Passcode or Face ID Before Tapping to Pay
It is a well-known fact that Apple Pay ranks among the most secure payment methods out there. To use Apple Pay for a transaction, you will be required to use Face ID or enter your passcode. This security step is needed even if you switch between different cards within Apple Pay before making a payment.
In many instances, including my own experience, I tend to tap the card before using Face ID. By doing this, the transaction does not go through. To ensure a successful transaction, take a moment to use your passcode or Face ID before tapping to make a payment.
5. Check if Apple Pay is Down
If you are still facing Apple Pay not working on iPhone issue, it is important to understand that the root cause might not always be your iPhone or your bank. There are instances where the issue could actually originate from Apple’s side.
Occasionally, Apple may experience problems with its backend systems, leading to a situation where Apple Pay servers might be temporarily unavailable. While this situation is rare, it is still a possibility. Before jumping into extensive troubleshooting, it is wise to check whether the issue could potentially be linked to Apple’s servers.
1. On your iPhone, open the browser app of your choice and visit the Apple System Status website.
2. Once opened, tap on the plus (+) icon.
3. From here, check the status of Apple Pay & Wallet.
If it says Available or shows a green icon beside the Apple Pay & Wallet, that means, Apple Pay & Wallet’s servers are up and running and that is not causing the Apple Pay not working on iPhone issue.
6. Remove and Re-Add the Card to Wallet
I have not personally tested this before, but based on what I have read from various community posts and guides, a potential solution for when Apple Pay is not working on iPhone is to remove your card from Apple Pay and then add it back again.
This can be particularly helpful if you are having problems with a card you just added to Apple Pay. It is worth giving this method a try as it has been reported to be effective by others.
1. On your iPhone, open the Wallet app from the App Library or Spotlight Search.
2. Once the app is open, tap on the card that you are facing an issue with.
3. Now, tap on the three-dot menu found in the top right corner of your screen.
4. Tap on Card Details.
5. From here, scroll down to the bottom and tap on Remove Card.
6. When prompted, tap on Remove again.
7. To re-add your card, tap on the Plus (+) icon.
8. Now, select the Previous Cards option.
9. Here, select the card that you want to re-add and tap on Continue.
10. Enter your 3-digit CVV generally found on the back of your card.
11. Lastly, complete the card verification.
7. Sign Out and Sign In Back to Apple ID
If the previous methods have not fixed the issue of Apple Pay not working on iPhone, there is one final method you can try — signing out of your Apple ID and then signing back in.
1. On your iPhone, open the Settings app.
2. Once the Settings app is open, tap on your name to access the Apple ID settings.
3. Now, scroll down to the bottom of the screen and tap on Sign Out.
4. It may ask you to enter your Apple ID and password again. Once done, tap on Turn Off.
5. Lastly, you get to choose the data you want to keep on your iPhone. Once that is done, tap on Sign Out. When prompted, confirm to Sign out again.
6. Again open Settings and tap on Sign in at the beginning of the settings.
And that concludes our guide! These are the seven effective methods to fix the issue of Apple Pay not working on iPhone. I recommend saving this guide for future reference, as I will be adding new methods periodically.
In many cases, simply restarting your iPhone can resolve the issue of Apple Pay not working. However, if that does not solve the issue and none of the methods mentioned above have been successful, your last option would be to reset your iPhone.
I trust that this guide has proven valuable in fixing your Apple Pay-related issues on your iPhone. If you found it beneficial, consider sharing it with friends and family who might also find it helpful.
If none of the methods have proven effective for you, do not hesitate to contact Apple Support for further assistance. With that said, it is time for me to say goodbye. For more guides like this, stay tuned with us. Thank you for choosing TechYorker, and until next time, stay techy!