When Apple Pay doesn't work: 9 helpful tips to fix it

9 ways to fix Apple Pay not working

With Apple Pay, paying for groceries, services, and other things is convenient, fast, and easy. When you start using it, there's no going back. But what to do if stops working?

When Apple Pay doesn't work: 9 helpful tips to fix it

If can be inconvenient if your payment can't get through, especially if your in a hurry or don't have another payment option at the moment. In this guide you'll find out common reasons the issue occured and how can you fix it.

If it's the first time you tried using Apple Pay in your country, before doing anything else, make sure to check if your region has Apple Pay. Not all countries can use Apple pay due to their policy.

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Table of Contents:

Verify if the store accepts Apple Pay

Not every business might accept Apple Pay. Check with the store if you can pay with it. If you can, ask if they have another terminal you can use to pay with. Sometimes, the problem can be due to terminal issues, or it simply doesn't accept Apple Pay.

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Check your device battery

When your device is on low battery, some features stop working to save power, which might include the Wallet app. Check if you have at least more than 20 % battery charge. If not, charge your Apple device. And if yes, then go to the next tip.

Check battery

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Restart the Wallet app

The Wallet itself can also be the cause of the problem. Sometimes, apps can freeze and experience glitches, bugs, etc. The best way to quickly fix minor app issues is to end the session and reopen it again or restart it.

To restart the Wallet app, follow the steps below:

1. On iPhones with Face ID, swipe up from the bottom of the screen to see all opened apps.
On iPhones with a Home button, double tap it to see all opened apps.
2. Locate the Wallet app and swipe up on it to close.

Close the Wallet app

3. Now, reopen the app and check if you can use Apple Pay as usual.

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Sign in to iCloud

This might be an obvious fix, but if you're using iCloud to store all your card info, signing out of it will remove all your cards. Check if you didn't accidentally log out of your iCloud account.

Log into iCloud

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Manually select your card

If nothing is wrong with your device or the Wallet app, but a terminal has issues detecting Apple Pay, you can manually select the card. To do that, follow the steps below:

1. Open the Apple Wallet app on your device.
2. Select the card you want to pay with.

Select card manually

3. Add your device to the terminal.

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Re-add the card to the Wallet

Try re-adding the card you want to use with Apple Pay. To do that, follow the steps below:

1. Open the Settings app on your iPhone.
2. Tap on "Wallet & Apple Pay".

Go to Apple Pay & Wallet settings

3. Select the card in question and tap on "Remove Card".

Remove card

4. Now, in the "Wallet & Apple Pay" settings, tap on "Add card".

Add card

5. Choose "Debit or Credit Card" or ""and follow the instructions.
6. When the card is added, try to pay with it again with Apple Pay.

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Check NFC

For you to pay with Apple Pay at a terminal, you need a working NFC tag reader on your device. If it doesn't look like the Wallet app and your cards have any issues, check the NFC. Take your device to a service center and ask them to check the NFC tag reader.

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Check the Apple Pay server

Sometimes, the issue can be with something other than your device, like the Apple servers. Usually, the servers are up and running as they should, but in rare instances, they can be down due to an error or for maintenance purposes.

Check if the Apple Pay server is up and running. Go to the Apple System Status webpage and make sure the Apple Pay server is available.

Check the Apple Pay server

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Update the operating system

If nothing helped, check for system updates. If possible, update your device, as it can fix the issue with the Apple Pay not working.

To update your iPhone, follow the steps below:

1. Open the Settings app.
2. Go to "General" settings.

Go to General settings

3. Tap on "Software Update".

Check for software updates

4. If an update is available, tap "Update Now".

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If you're still having issues with Apple Pay, contact Apple Support or visit a service center for an inspection.

If you have any questions or want to add more info, don't hesitate to comment below.

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About the author:

Karolina Peistariene

Author of how-to guides for Mac users. Responsible for collecting, analyzing, and presenting problem-solving solution articles related to macOS issues. Years of macOS experience combined with solid research and analyzing skills help Karolina provide readers with working and helpful solutions as well as introduce various features Mac has to offer. Contact Karolina Peistariene.

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