Apple Pay not working? 15 things to try

Having trouble using Apple Pay on your iPhone? Whether it’s a one-time or a recurring issue, Apple Pay not working issues can appear for a variety of reasons. For example, it could be a faulty payment terminal, conflicting iPhone settings, a complex server-side problem… the list goes on.

So, here are 15 things you can try to solve Apple Pay problems on your iPhone. The fixes in this guide also apply to iPad.

1. Use another terminal when paying

If nothing happens while trying to use Apple Pay at a contactless terminal, start by looking for the following icons to make sure it supports Apple Pay as an instant payment option from the beginning.

Apple Pay icon

If so, the problem may be limited to the terminal only. Try requesting another terminal to complete your purchase.

2. Hold your iPhone properly

The NFC (Near Field Communication) chip on your iPhone is close to the rear camera. If you continue to have problems completing a purchase, hold your iOS device in a way that allows it to communicate correctly with the terminal’s NFC reader.

An iPhone in a case

3. Remove your iPhone case

An extremely bulky or rugged case can also prevent the NFC chip on your iPhone from communicating with the payment terminal. Try removing it. Apple Pay was able to work without problems after that.

4. Turn off low battery mode

Your iPhone’s Low Power Mode preserves battery life by cutting background processes. However, that can create problems while making transactions through Apple Pay.

So if you see the iPhone battery status icon yellow, turn it off by going to Shared > Battery. You can always reactivate it after completing your purchase.

Low power mode is off

5. Force Quit the Wallet App

Another Apple Pay quick fix involves force quitting the iPhone’s Apple Wallet app. Just start by swiping up from the bottom of the screen (or double-clicking Home button twice if your iPhone uses Touch ID) to invoke the App Switcher. Then pull Purse off the screen.

Drag the Wallet card out of the screen

6. Restart your iPhone

Next, try restarting your iPhone. To do that, open Setting app, go to Shared > Turn offand track by dragging Power right button to turn off the device. Then wait for 30 seconds and hold Edge until you see the Apple logo.

Slide to power off

7. Check Apple System Status

If Apple Pay continues to fail on your iPhone, you may want to make sure that nothing is wrong on the server side. So go to Apple’s System Status page and check the system status next to it Pay for apple. If things don’t go well, you have to wait until Apple fixes the problem.

Apple Pay & Wallet Available

8. Choose another payment card

Payment problems may be related to your default credit or debit card. If possible, use another card to complete the purchase. To do that, simply tap the default card at checkout to switch between cards. If the problem occurs when using Apple Watch, simply scroll down to select a different card.

9. Enable Face ID / Touch ID for Apple Pay

If Apple Pay doesn’t have permission to use Face ID or Touch ID, you won’t be able to authorize cards and cards at checkout. To fix that, open Setting app and press Face ID & Passcode. Then enter your device passcode and turn on the switch next to it Wallet & Apple Pay.

Wallet and Apple Pay enabled

10. Enable Apple Pay in Safari

If you don’t see Apple Pay as a payment option when making an online transaction in Safari, you must allow websites to check if Apple Pay is working on your device. To do that, open Setting app and press The hunt. Then scroll down Privacy & Security and turn on the toggle next to it Check Apple Pay.

Check Apple Pay is enabled

If you continue to experience the same issue with web purchases on your Mac, select The hunt > Interests > Privacy on the macOS menu bar and make sure that the checkbox next to Allow sites to check Apple Pay and Apple Card is active.

11. Re-add credit/debit card

If you continue to have problems using a particular credit or debit card in Apple Pay, removing and re-adding it to your iPhone can help. So let’s start by opening Purse app, select the card you want to remove, tap Than icon (three dots) and select Remove card.

Next, tap Add card/New card (+) at the top right of the screen and scan the card or enter the card information manually. You must then follow the onscreen instructions to reauthorize the card for use with Apple Pay.

12. Update your iPhone’s system software

Next, try updating the system software on your iPhone. That often helps with system-related issues—especially if you recently upgraded to a major release like iOS 15—that are preventing Apple Pay from working.

So just open Setting app and press Shared > Software updates > Download settings to install any pending iOS updates. Learn what to do if your iPhone won’t update.

    General > Software Update > Download and Install” class=”wp-image-16272″  /></figure>
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<h2><span class=13. Reset network settings

To resolve any connection issues that prevent Apple Pay from working properly, try resetting the network settings on your iPhone.

1. Open Setting app and press Shared > Transfer or Reset iPhone.

2. Press Reset > Reset Network Settings.

3. Enter your iPhone device passcode and tap Reset Network Settings confirm.

Reset Confirm Network Settings

Note: Resetting network settings will delete all saved Wi-Fi networks, so open Setting app and press WIFI to reconnect to Wi-Fi.

14. Sign out and back in Apple ID

If you continue to have problems with Apple Pay on your iPhone, signing out and then back in with your Apple ID can help.

1. Open Setting app and press Apple ID.

2. Scroll down and press Log out.

Log out

3. Turn off Find My iPhone and turn on the switch next to the types of iCloud data you want to keep locally on your iOS device.

4. Select Log out confirm.

5. Restart your iPhone.

6. Open again Setting app, then tap Log in to sign in again with your Apple ID.

15. Contact Apple Support

If your Apple Pay troubleshooting efforts on your Apple devices aren’t working, you must contact Apple Support to escalate the issue. If you feel that the problem is related to your credit or debit card, try contacting your bank or card company.

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