Apple Pay Not Working on iPhone? Here is How to Fix it

Apple Pay is a seamless way to pay quickly using just your iPhone or Apple Watch. It works like a charm. However, there are instances when Apple Pay just does not work. Well, let us see some solutions to fix this.

Apple Pay is an easy, quick, and secure way to pay. But this, of course, is when it works seamlessly as intended. There may be rare instances when Apple Pay just stops working on your iPhone running iOS 13. Well, if you are in that situation, here are a few easy solutions to fix it.

Now, the solutions below are assuming you are in a country where Apple Pay is available and also inside a store that accepts Apple Pay. If you see one of these symbols in a store, it means that it accepts Apple Pay. Now that we are clear of these basics let us see the solutions and get Apple Pay working smoothly.

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How to Fix Apple Pay Not Working in iOS 13 on iPhone

Quick Access:

Solution #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 PIN and fingerprint are set up correctly. If you are using Apple Pay on an iPhone that has 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.

Solution #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.

Solution #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:

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Step #1. Go to Wallet App on your iPhone.

Step #2. Now select the card you want to use.

Step #3. Hold your iPhone near the payment reader.

Step #4. When asked, authenticate using Touch ID or Face ID.

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Solution #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.

Solution #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.

Solution #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:

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Step #1. Go to the Settings app and tap on Wallet & Apple Pay.

Step #2. Now select the card you wish to remove and tap Remove Card.

Step #3. Go back to SettingsWallet & Apple Pay.

Step #4. Tap Add Credit or Debit Card.

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Follow the simple on-screen instructions and try paying by Apple Pay again.

Solution #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 “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.

Solution #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.

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Check Apple Pay System Status

Solution #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.

Step #1. Launch to Settings App and tap on GeneralSoftware Update on iPhone.

Tap on Software Update in iOS 13 Settings App on iPhone

If you see a pending update, download and install it.

Solution #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.

Step #1. Go to SettingsGeneralReset.

Tap on Reset in General in Settings App on iPhone

Step #2. Click on Erase All Content and Settings.

Tap on Erase All Content and Settings to Reset iPhone

Follow the simple on-screen instructions after inputting your PIN.

Summing up…

Anyone or 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.

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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. Also, don’t forget to share this post on Facebook, Twitter, and Instagram and download our iOS app on your iPhone and iPad.

Jignesh Padhiyarhttps://www.igeeksblog.com
Jignesh Padhiyar is the co-founder of iGeeksBlog.com who has a keen eye for news, rumors and all the unusual stuff that happens around Apple products. During his tight schedule, Jignesh finds some moments of respite to share side-splitting contents on social media.
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