It’s painful when Apple Pay is not working on your iPhone since you are unable to swipe your smartphone to use it to pay the counter.
Instead, you must take the time of pulling your credit card and swipe it while you hold your items. Not convenient, right?
Apple Pay can be described as Apple’s payment method that is not a contactless. It offers a faster and more secure method of paying in comparison to swipes of your card or making use of cash. To find out more regarding Apple Pay, check this article for the steps to setup and utilize Apple Pay.
This article will guide you through the possible solutions the situation where Apple Pay is not working on your iPhone.
Why Is Apple Pay Not Working?
There are a myriad of reasons that could be the reason that could be the reason for Apple Pay not working on your iPhone. But, these are the most frequent reasons that stop users from making use of Apple Pay:
- A tough phone case
- Inaccessible Apple Pay system
- Terminal that is not functioning properly
- An issue with your phone
- A bug in the Wallet app
- Low battery charge
How to Fix Apple Pay Not Working

This guide will provide all troubleshooting techniques you’ll be learning about in this manual.
- Restart your Phone
- Charge your iPhone
- Reopen The Apple Wallet App
- Remove The Phone’s Case
- Choose a Credit Card
- Check Apple Pay Service
- Sign Out of Your Apple ID Account and Then Sign Back In
- Try a Different Terminal
- Select a Card in Your Apple Wallet
- Readd Your Card
- Check for Any Pending Software Update on iPhone
- Choose Your Phone Number and Email Address in Apple Pay
- Reset iPhone Settings
- Reset Your Phone to Factory Settings
1. Restart Your Phone
The first suggestion we have to fix Apple Pay not working is restarting your iPhone or turning it off, letting it run for some time, after that, turning it back on. This approach can be utilized to resolve a range of issues, such as Apple Pay not working.
2. Charge Your iPhone
This Battery Save feature is usually activated when the battery’s level drops below 20 percent. To preserve the battery on the iPhone, Battery Save is able to disable a variety of options.
Deleting features, on contrary, can hinder services such as Apple Pay from working. Therefore we suggest charging your phone and checking the next time to determine whether it functions in a proper manner. If it is not working, proceed through the steps.
3. Reopen the Apple Wallet App
It’s not unusual for apps to stop working or to crash. Therefore, if you find that you’re Apple Pay is not working just closing and reopening the Apple Wallet could help to solve the issue.
In case Apple Pay is still not working after restarting the application proceed onto the next stage. We’ve got more solutions for you.
4. It is necessary to remove the case from the phone
iPhone 12 Pro without the cases. Herby Jasmin/Gotechtor
To enable Apple Pay to work, NFC technology has to be transmitted via the phone. It is possible that you will not be able use Apple Pay on your phone in the event that you own a bulky case that blocks the NFC device from functioning.
If you’re interested in learning more about the process behind Apple Pay, we’ve got an in-depth guide to the way Apple Pay works under the hood. Take a look.
So, if Apple Pay doesn’t function, take the phone case off your device and test at the counter to determine if it’s working.
Be aware the fact that Apple Pay will almost certainly not function if the phone’s case is magnetic. Therefore, prior to diving into any arduous troubleshooting process take your phone out of the case and try it. If this isn’t the case, then proceed with the following step.
5. Choose a Credit Card
At times, Apple Pay may not work when you make payments using a debit card. Verify whether your debit card was the culprit behind the Apple Pay malfunction by switching to a credit or debit card for one transaction. It might seem strange however it could help you to make use of the Apple Pay again.
6. Check Apple Pay Status
Apple Services System Status. Herby Jasmin/Gotechtor
Naturally whenever Apple Pay is not working The first thought that comes to mind is that there’s something wrong on or on your iPhone or iPad however, this is not the reality.
It could be that the service which Apple Pay uses is down. In this situation you’ll need keep waiting until it is operational and running.
To determine the if there is any issue in Apple Pay, if there are any issues with Apple Pay service, you can visit on the Apple System Status website.
7. Sign Out of Your Apple ID Account and Then Sign Back In
Another reason that your Apple Pay may not be working on your iPhone is a result of issue with your Apple Pay system or your phone. You can also try leaving the Apple ID account and then returning to it.
Sometimes, it is necessary to restart some instances, which will help restart Apple Pay system and then repair any error or glitch that might be occurring. To do this follow these steps:
- Go to your settingsapp to your iPhone.
Launch iPhone Settings. Screenshot: Farhad Pashaei/Gotechtor
- Within the Settingsmenu Tap your name on the top.
Tap on your name in the Settings app. Screenshot: Farhad Pashaei/Gotechtor
- Choose the option Media & Buys in the Apple ID menu.
Select Media & Purchases. Screenshot: Farhad Pashaei/Gotechtor
- On the pop-up menu, choose Sign Out..
Signing out of Apple ID. Screenshot: Farhad Pashaei/Gotechtor
You’ll be required to input your password in order to deactivate your Find My Phone feature, along with a query concerning the need to keep a backup copy of important data like contacts stored in your phone.
You’re now ready to log in again after you have confirmed the exit. Check to see whether the issue is still present. If it is, proceed to the next option.
8. Try a Different Terminal or Store
There’s a chance that you do not be experiencing a malfunctioning device, however, it could be a terminal issue. For instance, there are times when you make use of Apple Pay, for instance, if you use Apple Pay, for whatever reason, it could be a glitch in the particular terminal you’re using.
Additionally, if you’re buying with Walmart, Lowes or Home Depot, Apple Pay will never work because they don’t take Apple Pay. You can also look for another retailer accepting Apple Pay.
9. Select a Card in Your Apple Wallet
The second option for solving this issue is to select an account manually. We recommend this option because Apple Pay may pull information from an old credit card that you’ve linked to Apple Pay.
Use these steps to select the right card that you can use to pay with Apple Pay manually:
- Open your Wallet.
Open Wallet App. Screenshot: Farhad Pashaei/Gotechtor
- Then, tap the card you’d like to make use of.
- After you have set your card in place, put your smartphone near the NFC terminal and check the transaction goes through.
10. Readd Your Card
When Apple Pay does not function Re-addition of a card is among the most efficient fixes. Follow these steps to complete the process:
- Log into your walletapp.
Open Wallet App. Screenshot: Farhad Pashaei/Gotechtor
- Choose the card you’d like to use.
- Tap to three dots on the top right. 3 dots in the upper right.
- Then, look at the button red that says “Remove this Card,” and take out the debit or credit card you’re trying to make use of.
- After that, you can go back on the Apple Wallet.
- Press to the red Plus button located in the top right corner.
- Follow the steps to add your credit card to the Apple Pay system. Apple Pay.
11. Check for Any Pending Software Update on iPhone
If you’re experiencing issues in using Apple Pay, you can verify whether your iPhone is running any software updates in the process or not.



