Apple Pay Not Working on iPhone: How to Fix?

If Apple Pay isn’t working on iPhone, you won’t be able to use your device to make in-store and online payments. Below are the steps to fix this issue.

Apple Pay not working on iPhone

The number of outlets supporting Apple Pay is growing, encouraging more users to use their iPhone to pay for in-store purchases.

However, Apple Pay may stop working sometimes due to iPhone in sleep mode, Face/Touch ID not enabled for Apple Pay, NFC network blocked or distracted, and various other reasons.

1. Make sure you are logged in

You can’t use Apple Pay if you’re signed out of iCloud, even if access to iCloud Drive and Wallet has been disabled on your device.

Open settings > Tap yours AppleID > iCloud > Move the switch next to iCloud drive and wallet to ON Position.

Enable iCloud Drive and Wallet on iPhone

Note: You must be signed in to your device to access iCloud Drive and Wallet.

2. It could be because of the phone case

If you’re using a tough, durable phone case, the problem could simply be that the phone case is blocking or disrupting the NFC network.

Some phone cases have magnetic car mounts and decorative metal parts that can disrupt the NFC network and prevent Apple Pay from completing the transaction.

If you think this might be the reason, remove your iPhone from its case and see if that makes a difference.

3. Check the battery level

Most non-essential features are automatically disabled on iPhone when the battery level drops to 20%, which can negatively impact Apple Pay.

If you see a yellow iPhone battery status icon, your iPhone has automatically entered sleep mode and this could be the reason why Apple Pay is not working on your device.

Go to settings > battery > Move the switch next to Low power mode to OUT Position.

Disable Sleep Mode on iPhone

After completing the payment, you can re-enable low-power mode and plug your device in for charging as soon as you get access to a charging port.

4. Choose Credit

If Apple Pay is linked to a debit card on your iPhone and is working, try completing the transaction by selecting Credit card as a payment option at the terminal.

Users have reported completing the transaction this way even though Apple Pay was linked to a debit card.

5. Try another reader

Make sure the payment terminal you’re trying to complete the transaction on supports Apple Pay. Even if the terminal supports Apple Pay, there may be interference.

So try it with Another terminal and you will find that Apple Pay works fine on your device.

6. Reboot the iPhone

Go to settings > General > scroll down and tap shut down. On the next screen, use the slider to turn off your device.

Wait 30 seconds and restart your device by pressing power button.

7. Enable Face ID/Touch ID for Apple Pay

Apple Pay can’t authorize payments if it doesn’t have permission to use Face ID or Touch ID on your device.

Open settings > type Touch ID & Passcode > Enter your lock screen password > Move the switch next to Wallet & Apple Pay to ON Position.

Enable Touch ID for Apple Pay on iPhone

7. Enable Apple Pay in Safari

If Apple Pay isn’t working or isn’t available as a payment option when shopping online, the problem could be that the Safari browser doesn’t allow websites to verify that Apple Pay is active on your device.

Go to settings > safari > Scroll down to the “Privacy and security” section and slide the switch next to Search for Apple Pay to ON Position.

Enable Check for Apple Pay in Safari on iPhone

Allowing websites to look for Apple Pay in Safari browser should help fix this issue.

8. Check the Apple Pay service status

In certain cases, the problem can be due to the Apple payment system being down or having problems.

You can confirm this by going to Apple system status page to see if there are any issues with the Apple Pay service.

Apple Pay service status

If there’s an issue, it’s indicated by a red dot or red explanatory letter next to the Apple Pay & Wallet entry on Apple’s Service Status page.

9. Sign out and back in to the Apple account

Sometimes the problem is that your Apple ID isn’t recognized or doesn’t match the one associated with Apple Pay.

Go to settings > Tap yours Apple ID name > scroll all the way down and tap on log out Possibility.

Sign out of Apple ID on iPhone

Wait 30 seconds and sign in to Apple ID again by tapping Sign in to your iPhone Possibility.

10. Manually select a card

It is possible that the NFC terminal cannot recognize Apple Pay on your device. Try manually selecting your credit card on iPhone and authorizing the payment with Touch ID or Face ID.

open that Wallet app on your iPhone and select it Credit/Debit Card you want to use > hold the phone Next reader > When prompted, use touch identification or Face ID to complete the transaction.

11. Add credit/debit card again

If you recently got a new credit/debit card, the problem is usually because the new card details aren’t registered with Apple Pay yet.

Go to settings > Wallet & Apple Pay > select yours Credit/Debit Card > select remove card Possibility.

After the card is removed, tap Add card and follow the on-screen instructions to add the card.

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