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Why is My Apple Pay Not Working? Here’s How to Fix it

by | Jan 23, 2024

Apple Pay is a cool thing that shows we’re living in the future. Instead of carrying around cash or lots of credit cards, you can use your smartphone to make payments. Just bring your phone close to the register, and the money gets charged to your credit account automatically. When it works well, Apple Pay makes life easier and keeps your pockets less cluttered. But sometimes, Apple Pay doesn’t work as expected, and that can be frustrating. Here are seven ways you can fix Apple Pay when it’s not working.

Why is My Apple Pay Not Working? Here’s How to Fix it

1. Check if the Store Accepts Apple Pay

Check if the Store Accepts Apple Pay

Before using Apple Pay to buy things, confirm that the store you’re in accepts Apple Pay. You can ask an employee or look for signs near the cash register or payment terminal. This will save you time and avoid the frustration of not being able to make a purchase if the store doesn’t accept Apple Pay, and it’s your only payment option.

2. Your Phone Case Might Be Causing a Problem

It may sound obvious, but the case on your phone could actually interfere with Apple Pay. If you have a really thick, heavy-duty case that covers your whole phone, it might be too thick for Apple Pay’s NFC (Near Field Communication) to work properly. Cases with metal or magnetic parts, like those used with car mounts, can also cause issues.

To check if your case is the problem, try taking your iPhone out of the case and test Apple Pay. If it works without the case but not with it, you might need to consider getting a new case.

3. Try Signing Out and Back In to Your Apple Account

Try Signing Out and Back In to Your Apple Account

Some users have found success with this solution when trying to use Apple Pay between their iPhone or Apple Watch and a Mac’s NFC reader. It’s also worth a try if Apple Pay isn’t working on your phone when you’re shopping or in other situations. To do this:

On your iPhone or iPad:

  1. Open “Settings” on your device.
  2. Tap on your “Apple ID.”
  3. Scroll down and choose “Sign Out.”
  4. Confirm that you want to sign out. If you want to keep a copy of any information on the device, make sure to check the relevant items. Anything stored in iCloud will stay there.
  5. Sign back in by going to “Settings” again and tapping on “Sign in to your iPhone/iPad” at the top.
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If you’re using a Mac:

  1. Click on the “Apple menu” and go to “System Preferences.”
  2. Select “iCloud” and click on “Sign Out.”
  3. Sign in again.

That’s it! By signing out and signing back in to your Apple account, you may be able to resolve any issues with Apple Pay.

4. Check if Apple Pay is Down

Check if Apple Pay is Down

Sometimes, the web service that Apple Pay relies on could be down. If that’s the situation, you just need to wait a few minutes until it’s back up and running.

The good news is that you don’t have to wonder if that’s the issue without any confirmation. You can visit the Apple System Status website to check if there are any problems with the Apple Pay service. If Apple Pay is listed as working fine, you can move on to the other tips mentioned here.

5. Give a Different Reader a Try

If you’re using Apple Pay at a store, we assume you’ve already made sure that the store accepts Apple Pay. However, you might still have trouble at certain payment terminals. In that case, it’s worth checking if the store has another terminal available.

If there are multiple terminals, try using each one. It’s possible that one of the terminals doesn’t work well with Apple Pay. If you find that another terminal works for you, remember this for future visits to the store.

6. Choose Your Card Manually

Choose Your Card Manually

Sometimes, even if a payment terminal is compatible with Apple Pay, it might not recognize it right away. If you find that simply holding your phone near the terminal doesn’t work, try selecting your card manually.

Here’s what you can do:

  1. Open the Wallet app on your phone.
  2. Choose the card you want to use for the payment.
  3. Hold your phone close to the payment terminal.
  4. If this method works, you may be prompted to use Touch ID or Face ID to complete the transaction.

7. Give Your iPhone a Restart

Give Your iPhone a Restart

If none of the previous solutions work for you, or if you’re using Apple Pay for online purchases instead of at a store, there are a few more steps you can try. The easiest one is to simply restart your phone.

Sometimes people think that a simple restart won’t really solve the problem. But in reality, when you restart your phone, it resets certain statistics and data inside it. It’s possible that one of these was causing issues with Apple Pay, so a restart should fix that.

8. Make Sure Your iPhone is Charged

Another straightforward solution to fix Apple Pay not working is to charge your iPhone. When your battery is low, some features are disabled to save power. If your battery level drops to around 10%, Apple Pay might not work properly. So, before you go shopping, make sure to charge your device.

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9. Add Your Card Again

Add Your Card Again

If you’re facing repeated issues with a specific card on Apple Pay, it might help to remove and then re-add the card. This is also useful when you receive a new card from your credit card company, as the updated details may not automatically sync with Apple Pay. Also read How to Use Apple Pay on iPhone | 2024.

Here’s what you can do:

  1. Open the “Settings” app on your phone.
  2. Go to “Wallet & Apple Pay.”
  3. Choose the card you want to re-add.
  4. Tap on “Remove Card.”
  5. Return to “Settings” and select “Wallet & Apple Pay” again.
  6. Choose “Add Credit or Debit Card.”
  7. Follow the prompts to add your card once more.

10. Opt for Credit Option

It might sound strange, but there are instances where selecting “debit” as your payment method on the terminal can cause Apple Pay to not work. To troubleshoot this, try choosing the “credit” option, even if you’re using a debit card. This might resolve the problem and enable you to use your debit card for payment smoothly.

11. Check Your Internet Connection

Check Your Internet Connection

Even if you have a good Wi-Fi signal at home, the stores you go to might not provide guest Wi-Fi. In such cases, you need a strong cellular or mobile data signal for Apple Pay to work. If you’re encountering issues with Apple Pay not working, check the strength of your internet connection. A weak connection could be the cause of the problem.

12. Get in Touch with Your Bank

If you’ve tried all the other methods and nothing seems to work, there’s a possibility that the issue lies with your card. You can test the physical card at a store to see if it functions properly. If it doesn’t, it’s time to contact your bank.

Sometimes, credit and debit cards can have glitches and fail to work correctly when swiped physically or used in mobile wallets. Your bank may need to provide you with a replacement card. Additionally, it’s possible that the card readers at the store are experiencing difficulties with certain types of cards, and your bank may be able to help resolve the problem for you and other customers.

13. Get in Touch with Apple Customer Support

If none of the previous troubleshooting steps fixed the issue, it’s time to contact Apple customer support. There could be a hardware problem, like a malfunctioning NFC chip that communicates with the payment terminal. This is not something you can easily check or fix by yourself, so it’s best to seek assistance from Apple.

There are different ways you can contact them:

Contact Apple Support by phone:

If you need help from Apple, you can call them on different phone numbers depending on the type of assistance you require.

  1. The main phone number is 1-800-275-2273. You can call this number for most issues.
  2. If you need help with Apple’s accessibility tools, call 1-877-204-3930.
  3. For Education customers, like school districts using loaned iPads, call 1-800-800-2775.
  4. Enterprise customers should call 1-866-752-7753.
  5. If you’re having problems with Apple Cash or person-to-person payments in iMessage, call 1-877-233-8552.
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Contact Apple Support online:

Apple also has a support website where you can find tools and tips. You can even talk to a customer support representative online.

  1. Start by visiting the Apple Support contact page.
  2. Scroll down to “We’re here to help” and select the product you need support for.
  3. Choose a specific issue from the list provided.
  4. Depending on the problem, you may receive troubleshooting tips or be directed to a page with options for getting help.
  5. The best option is usually the Chat feature, where you can talk to a support representative online.

Using the Apple Support app:

If you have an iPhone or iPad, you can download the Apple Support app, which is a simplified version of the support website.

  1. Open the app, and it will show options specific to your device.
  2. Tap “Products” to select a different device if needed.
  3. Follow the menus to describe the issue you’re facing.
  4. The final page may suggest bringing your device in for repair or provide a pre-written support article.
  5. There should also be a “Contact” section where you can choose to chat or call a representative.

Contact Apple Support through an Apple Store:

Apple retail stores have knowledgeable staff called “Apple experts” who can help with common issues. If they can’t solve the problem, they will assist you in repairing or replacing your device.

  1. Find the nearest Apple Store by checking Apple’s retail list.
  2. Click on the store location to view the address, store hours, and phone number.
  3. It’s a good idea to call ahead and make a reservation to ensure dedicated assistance and avoid waiting in line.


In conclusion, Apple Pay provides a convenient and futuristic payment method through smartphones. While it may encounter occasional issues, there are various troubleshooting steps available to resolve these problems. By following the suggestions outlined in this article, users can overcome challenges and restore the functionality of Apple Pay. If you found this information helpful, we appreciate your support by considering a positive rating. Additionally, if you know someone who could benefit from this tutorial, feel free to share it with them.


Why isn’t my card being accepted on Apple Pay?

The most common reason is that your card is not issued by a participating bank, or the bank doesn’t allow that specific type of card to be used with digital wallets. To be sure, check with your bank. Some chip cards may also have difficulties connecting with Apple Pay. Contact your bank to determine if this is the issue.

If my card’s expiration date changes, will it affect Apple Pay?

Yes. The expiration date of your card is essential, just like your credit card number. If either of these changes, you need to update your card information in Apple Pay. Otherwise, the app will recognize your card as expired and won’t work. If you’re experiencing sudden issues with a card you’ve been using, compare the card and the app to see if the expiration date has changed.

Why isn’t Apple Pay working while I’m traveling?

Although Apple Pay is widely accepted in many countries and regions, it may not be available everywhere. Before traveling, make sure to check if Apple Pay is accepted in the places you’ll be visiting.

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