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

How To Fix Apple Pay Featured

Apple Pay is growing as a convenience of the modern world. The number of outlets that now let you use the NFC technology in your iPhone to pay for goods is increasing, and it’s arguably the fastest and most secure way to make your transactions (alongside wireless chip cards).

But Apple Pay isn’t perfect, and sometimes it can stop working. There are many potential reasons for why this happens, and we’re here to take you through some of the most common (and less common) fixes for Apple pay not working.

Is Your Phone Case Interfering?

Apple Pay Not Working Heavy Phone Case

It may seem like an obvious suggestion, but phone cases can interfere with the NFC communications that Apple Pay relies upon. The rubber heavy-duty shockproof cases that encase your entire phone can sometimes be too thick for the NFC to work, or cases that have metal or magnetic elements to them (such as those that attach to in-car mounts).

Best way to test this is of course to take your iPhone out of any case that you may have for it, and test out Apple Pay then. If it works that way but not when in the case, then you may need to look into getting a new phone case.

Sign out and Sign Back into Your Apple Account

Some users who have been attempting to use Apple Pay between their iPhone or iWatch and an NFC reader on their Mac have reported this problem and solution. While it’s been reported to work when using Apple Pay with a Mac, it’s also worth trying if Apple Pay on your phone doesn’t work in shops or other scenarios.

Apple Pay Not Working Sign Out Apple Id

The solution is simply to sign out and back into your Apple account.

On your iPhone, do this by going to “Settings -> iTunes & App Store” then tap your Apple ID and tap sign out. Sign in again.

If you’re using a Mac, click the “Apple menu -> System Preferences -> iCloud -> Sign Out”. Then sign in again.

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.

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. Or, if you’re having internet problems with your iPhone, click through for our list of fixes for cellular data not working.

Kris Wouk Kris Wouk

Kris Wouk is a writer, musician, and whatever it's called when someone makes videos for the web.


  1. I have a brand new iPhone, tried all the above and nothing worked it just doesn’t read the card and does nothing, yes I know how to use Apple Pay and adding cards etc as I used it on my previous iPhone 7 without incident.


  2. My credit and debit cards are not working in apple pay. But everything else is, flight-tickets, concerts etc. It used to work but all of a sudden not. I’ve tried everything but still, nothing 😩

  3. I had my bank card working, got a replacement for that bank card deleted it and reuploaded the new one but it never works, Ive tried everything.

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