10 Fixes: Apple Pay Not Working On iPhone

With Apple Pay, you may use the wallet app or an NFC scan to make digital payments at participating merchants. The same can be used to make purchases online, which helps reduce the need for cards and cash.

10 Best Ways To Fix Apple Pay Not Working On Iphone (iOS Devices)

Apple Pay problems have been creating Apple Pay Not Working on your iphone issue for some customers; if this is the case for you, try all the solutions below to resolve the problem.

Causes Of Apple Pay Is Not Working On iPhone?

  • The two most frequent causes of Apple Pay not working are that the phone’s battery is running low or the establishment cannot accept Apple Pay.
  • When Apple Pay doesn’t function, it can be unpleasant to deal with if you don’t typically carry cash.
  • The Apple Pay servers, a problematic digital payment terminal, or a specific debit or credit card could all blame.
  • The additional causes include
    • Check if the terminal accepts apple pay
    • Lack of Apple Pay availability
    • Problem with your phone
    • The Wallet app has a bug

Best Ways To Fix Apple Pay Not Working Properly Issue

  1. Restart your iPhone
  2. Set up Face ID or Touch ID on Apple Account
  3. Remove the card from the Wallet app and add a New Card
  4. Check Apple Pay is not down
  5. Ensure Apple Pay is Signed in to iCloud (iOS)
  6. Sign Out and sign back in
  7. Select A Card Manually
  8. Check for Software updates on iPhone
  9. Reset Apple Phone
  10. Contact Apple Pay support

1. Restart your iPhone

Restart your iPhone

Simply restarting your phone is the easiest option. The first approach has generally worked. You can take a few more steps if you’re utilizing it to make an online purchase rather than in a store.

People frequently believe that such a straightforward cure will never be successful. When you restart your phone, several statistics and data fragments are reset. A restart should take care of any issues with apple pay that could have been affected.

2. Set up Face ID or Touch ID on Apple Account

Set up Face ID or Touch ID on Apple Account

Please double-check your PIN and fingerprint settings if you use Apple Pay on an iPhone with Touch ID. Make sure Face ID is properly configured if you are using Apple Pay on an iPhone with Face ID. These small things also cause Apple Pay Not Working issue on Apple pay.

  • On your iPad Pro or iPhone, open the Settings app.
  • Tap Face ID & Passcode after scrolling down.
  • If prompted, enter your iPhone passcode.
  • Then click Set Up Face ID & Passcode. 
Set Up Face ID
  • Put your face in the frame after that.
  • Complete the circle by slowly moving your head now.
Complete the circle by slowly moving your head now.
  • Select Continue. Now, carefully turn your head to perform the second and final scans. Then select Done.

3. Remove the card from the Wallet app and add a New Card

  • Select Wallet & Apple Pay.
  • Wallet & Apple Pay settings is located in Settings.
Wallet & Apple Pay settings
  • Tap Remove Card after choosing the card you want to remove.
Remove Card after choosing the card
  • To add a credit or debit card, tap Add.
  • Follow the on-screen directions and try Apple Pay once more.
Remove Card after choosing the card

4. Check Apple Pay is not down

Apple’s services are generally reliable. However, occasionally, a system does go down. Check Apple’s System Status page to see if the cause of your Apple Pay error is a glitch on the company’s end.

A green circle should be next to Apple Pay & Wallet to indicate that it is active and functional. The downtime of Apple Pay’s web service could be the issue. In this situation, you simply need to wait until the service is back online.

5. Ensure Apple pay App is Signed in to iCloud (iOS)

You need to be logged into iCloud on your device for Apple Pay to function. All cards are deleted from the device if you ever check out of iCloud or change your password, making it impossible to use the Apple Pay app. Make sure iCloud is registered to you.

  • Open The Settings app on your iPhone.
Open The Settings app
  • Click the blue “Sign in to your iPhone” text. Your name and details will be displayed here if you are already signed into iCloud.
Sign in to your iPhone
  • Utilize your Apple ID to log in. An email address will serve as your username.
email address will serve as your username
  • Enter your iPhone’s four-digit passcode when prompted.
  • Your name will now be included under “Apple ID, iCloud, iTunes & App Store” at the top of the Settings app. Tap it.
signing into iCLoud
  • You’ll be taken to a screen labeled “Apple ID” after that. Click iCloud.

6. Sign Out and sign back in

To sign out of your apple ID and get apple pay working again, follow these steps.

  • On your device, click “Settings.”
  • Put a tap on “Apple ID.”
  • “Sign Out” can be found by scrolling down.
sign out of icloud
  • Verify your desire to sign out. Check the relevant boxes if you want to maintain a copy of any of your data on the device.
  • Everything you’ve saved to iCloud is still there.
  • Return to “Settings” and click the top-right “Sign in to your iPhone/iPad” button to log in again.
  • Click “Apple menu -> System Preferences -> iCloud -> Sign Out” if you’re using a Mac. Now, log in once more.

7. Select A Card Manually

You might have problems because it’s possible your default card isn’t what you thought it was. Enter your Wallet app and choose the card you want to use by hand. Simply touch on it, and if everything is in order, you should see a notification that says, “[CARD NAME] is ready for Apple Pay.”

  • On your iPhone, go to the Wallet app.
  • Choose the card you want to use right now.
  • Hold your iPhone close to the credit card reader.
  • Use Face ID or Touch ID to verify your identity when prompted.
  • Check if you are able to fix apple pay not working issue or not.

8. Check for Software updates on iPhone

New features and bug fixes are included in every software release. Check to see if there are any pending software updates for your device if you are experiencing Apple Pay problems. By doing this, you can avoid any Apple Pay problems down the road.

  • Tap General after opening the Settings app.
go to general in settings
  • Tap Software Update on the General page. If an update is available, your phone will check.
Tap Software Update
  • Tap Download and Install to install any available updates. Accept the terms and conditions, then wait for your phone to download the update.
Download and Install
  • To finish the update, press Install at the end.
  • After the software update, check if Apple pay isn’t working issue is fixed or not.

9. Reset Apple Phone

Try resetting all your settings if you still have trouble getting Apple Pay to function. Conflicts on your device may be caused by mismatched iOS 14 settings. To address the issue:

  • Open the Settings app
  • Tap General after scrolling down to it.
  • Reset your iPhone by tapping Transfer or reset phone option.
Transfer or reset phone
  • Press Reset.
  • Select Reset All Settings to Erase iPhone.
Reset All Settings
  • You must enter your passcode to confirm the activity before the settings may be reset.

10. Contact Apple Pay support

Your card might be a problem, or there is some technical issue. The physical card can be tested in a shop to see if it functions. Contact your bank or apple pay support. Sometimes, using credit and debit cards in mobile wallets or physically swiping them causes errors and malfunctions.

You could require a new card that your bank will issue for you. It’s also possible that certain card kinds aren’t working properly with the store’s card readers. The problem might be resolved by apple support and other clients by the bank.


Being delayed when purchasing is incredibly annoying and might even put you in a bind. You can try several troubleshooting techniques when encountering an “apple pay not working” problem. To resolve this “apple pay not working” problem, employ the above procedures.


Why Is My Apple Pay Payment Not Working?

Make sure the terminal supports Apple Pay if Apple Pay isn’t functioning on your iPhone. If so, try manually choosing the credit card from your Wallet app. Two other suggestions are changing the credit card in the Wallet app and signing out and again into your Apple ID.

How Do I Reset Apple Pay?

Update your mailing address, email address, and phone number under Transaction Defaults by going to Settings > Wallet & Apple Pay > scrolling down. Update your shipping address, email, and phone number under Transaction Defaults in the Wallet & Apple Pay section of the Apple Watch app on your iPhone.

How Do I Get My Apple Pay To Work?

It’s easy to set up Apple Pay. You can get started by adding your credit or debit card to the Wallet app on your iPhone. You still receive all the incentives and privileges associated with your card, so you won’t lose out on any hard-earned miles or points. Now, your device has Apple Pay installed.

Can I Delete Apple Wallet And Reinstall it?

You cannot redownload or reinstall the Wallet app on your smartphone because it is a stock iOS app. In contrast to several other iOS pre-loaded programs, the Wallet app cannot be Offloaded or deleted, just like the Phone and Messages apps.

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Abdul Rahim has been working in Information Technology for over two decades. Learn how Abdul got his start as a Tech Blogger , and why he decided to start this Software blog. If you want to send Abdul a quick message, then visit his contact page here.