Apple Pay Not Working? Here’s How to Fix It

How To Fix Apple Pay Featured

Apple Pay can make everything from shopping to filling up your car with gas much easier. Just reaching for your phone rather than fishing out cash or a credit card is much more convenient.

That is, of course, when everything is working as intended. You might encounter situations where you can’t use Apple Pay. Most of the time this is just because a store doesn’t support Apple Pay or your phone is out of battery. Sometimes, though, Apple Pay just won’t work, which can be frustrating, especially if you frequently travel without cash.

Make Sure Apple Pay Isn’t Down

If Apple Pay isn’t working, you may assume that something is going wrong on your iPhone or iPad, but that isn’t always the case. It could simply be that the web service that Apple Pay uses on the back end is currently down. If this is the case, you may just need to wait a few minutes until it’s back up.

How To Fix Apple Pay System Status

The good news is that you aren’t stuck wondering if that’s the case with no confirmation. You can take a look at the Apple System Status website to see if there are any problems with the Apple Pay service. If Apple Pay is up and running according to that page, you can move on to the other tips here.

Try Using a Different Reader

If you’re trying to use Apple Pay at a store, we’re assuming you’ve already checked to make sure the store supports Apple Pay. Even if it does, you may run into trouble at certain terminals. If this is the case, you might want to check to see if the store has another terminal.

How To Fix Apple Pay Reader

If multiple terminals are available, try them out. It could simply be that one of the terminals doesn’t work well with Apple Pay. If another terminal works for you, keep this in mind for the future if it’s a store you frequent.

Manually Select a Card

It’s possible that even if an Apple Pay-ready terminal will work with your phone, its NFC reader hasn’t properly detected Apple Pay. If you find that simply holding your phone up to the terminal doesn’t work, try selecting a card manually.

How To Fix Apple Pay Wallet

To do this, go into the Wallet app, then select the card you want to use. Hold your phone next to the reader. If this works, use Touch ID or Face ID when prompted, and your transaction should complete.

Restart Your iPhone

If none of the above options work for you, or if you are not using it at a store and are using it to buy something online, there are a few other steps you can try. The simplest is just to restart your phone.

People often assume that such a simple fix will never actually work. In reality, a lot of various stats and bits and pieces of data are reset inside your phone when you restart it. It’s possible that one of these was affecting Apple Pay, so a restart should fix that.

Re-Add Your Card

If you have a card that consistently has issues with Apple Pay, you might want to try removing it and re-adding it to Apple Pay. This is also handy if you’ve just received a new card from your credit card company, as the changed details may not always automatically register with Apple Pay.

How To Fix Apple Pay Re Add Card

To do this, open Settings on your phone, then go to Wallet & Apple Pay. Select the card you want to re-add, then tap “Remove Card.” Now return to Settings, then Wallet & Apple Pay. Select Add Credit or Debit Card and follow the prompts to add your card.


Hopefully, one of more of the above steps made Apple Pay start working for you. If it was a quicker fix, make sure to keep it in mind or even write it down for future reference. If you had to re-add your card, it should work without issue from now on.

Now that Apple Pay is working properly, it’s time to put it to use. Not sure where you can use Apple Pay? We’ve put together some tips for finding stores that support Apple Pay in your area.

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