The solutions below assume that you are in a country where Apple Pay is available and inside a store that accepts Apple Pay.
1. Set up Face ID or Touch ID properly on iPhone
If you are using Apple Pay on an iPhone that has Touch ID, then make sure that your PIN and fingerprint are set up correctly. If you are using Apple Pay on an iPhone that has a Face ID, make sure that you have set up Face ID properly. Similarly, if you use Apple Pay on your Apple Watch, make sure that passcode is set up on the watch.
2. Make sure you are signed in to iCloud
For Apple Pay to work, you must be signed in to iCloud on your device. If you ever sign out of iCloud or remove your password, all cards are removed from the device, and thus you cannot use Apple Pay. So make sure you are signed in to iCloud.
3. Select a card manually
If you bring your card near the terminal and it does not work, then it means that the NFC reader is not properly detecting Apple Pay. In this case, try to select a card manually. To do so:
4. Ask the store for different reader
At times it happens that the reader at the store you are trying to pay may be at fault. So, if you have tried the above methods and still unable to pay via Apple Pay, then simply ask the store for a different reader. If the store has multiple payment terminals, try paying at various of them. And remember the terminal which works for you. This will ensure easy payment on your next store visits.
5. Restart your iPhone
Restarting your iPhone fixes a lot of temporary issues. It is always advisable to restart your iPhone once a week or so. If you are not able to pay via Apple Pay, a simple restart may fix the issue.
6. Remove your card from Wallet app and add it again on iPhone
Do you have a card that has given you issues more than a few times? Well, in this case, removing it and adding it again will fix the problem. To do this: Follow the simple on-screen instructions and try paying by Apple Pay again.
7. Have you added a new card?
Whenever you add a new card to your Apple Pay, there is a handshake between your bank or the card issuer and Apple Pay to authorize the card. When the card is in an authorization state, it cannot be used to pay. This validation process may take anywhere between one minute to a few hours. Also, sometimes, the new card is not registered automatically with Apple Pay, or it might be stuck. To fix this, just follow the steps above (solution #6) to remove the card and add it again. This should hopefully fix the issue. If it does not, and your card is still in an “Activating” state for more than 15 hours, you will have to call your bank or the card issuer to fix or speed up the process.
8. Check Apple Pay is not down
In current times, all payments, except cash, work via servers and cloud. In rare instances, it might happen that the web services Apple Pay uses in the background might not be working. To check this, visit the official Apple System Status page and see if Apple Pay is working or not. If it is working, you will see a green dot before Apple Pay.
9. Check for any pending Software update on iPhone
In every software update, new features are added or bugs are fixed. If you are having issues with Apple Pay, check if your device has any software update pending. While this step will take some time and not help you if you are standing in store waiting for Apple Pay to work. But this is definitely worth a try. This will ensure that you do not face issues with Apple Pay in the near future. Launch to Settings App and tap on General → Software Update on iPhone. If you see a pending update, download and install it.
10. Reset your iPhone
Finally, if none of the above solutions works (including contacting your bank or card issuer), then resetting your device might fix the Apple Pay problem. But before you reset, please know that all your data, including Wi-Fi passwords and settings, will be lost. It is advisable to have a complete backup of your iPhone before resetting it. Only use this option as a final course of action, when all the above solutions have failed to work for you. Few people have successfully been able to fix Apple Pay using this method. To reset your device, follow the steps below. Follow the simple on-screen instructions after inputting your PIN. Summing up… Anyone or a combination of a few of the solutions above might fix the problem you are having with Apple Pay. Finally, if none of the above solutions works for you, please contact Apple Support. Also, keep in mind that there may be times when your Apple Pay is in perfect working condition, but the store and the payment terminal might be at fault. You might also like to read…
Send-receive Apple Pay Cash using iMessage on iPhone and iPadHow to set up and use Apple Pay on Apple WatchTransfer Apple Cash to bank account or debit cardHow to use Tap to Pay on iPhone
Tell us which of the above solutions worked for you and enabled you to pay using Apple Pay again. Please also mention in the comments if you know of any other solution.
