Apple Pay Not Working? 7 Ways To Fix It

As an avid user of Apple Pay, I find the convenience of digital transactions unparalleled. The seamless integration with my Apple devices and the promise of secure payments made it my go-to method for purchases. However, even the most reliable technologies can hit a snag. If you've ever asked yourself, "Why is my Apple Pay not working?" you're not alone. Let's explore the common issues and 7 ways to troubleshoot them for a hassle-free digital payment experience.

Reasons why Apple Pay is not working

Numerous factors can contribute to the functionality issues of Apple Pay on your iPhone, leading to an inconvenient experience. Among the various potential causes, the following are the most common culprits that might hinder your ability to use Apple Pay seamlessly:

Thick phone case

A substantial hindrance to the smooth operation of Apple Pay can be attributed to the thickness of your phone case. Certain robust or overly protective cases may interfere with the communication between your iPhone and the NFC (Near Field Communication) technology essential for Apple Pay transactions. Consider using a thinner or specially designed case that allows the signal to pass through effortlessly.

Unavailable Apple Pay system

In some instances, Apple Pay may not function due to system unavailability. This could be a temporary issue stemming from maintenance, server problems, or other technical glitches on Apple's end. 

Apple Pay unavailable

Malfunctioning terminal

Another common cause of Apple Pay malfunction is a faulty or incompatible payment terminal. If the terminal you are attempting to use is not equipped with the necessary technology to support Apple Pay transactions, it can lead to failures. 

Glitch in your phone

Technical glitches within your iPhone's operating system or hardware can disrupt the functionality of Apple Pay. 

Bug in the Wallet app

The Wallet app, which serves as the hub for Apple Pay, may encounter occasional bugs that hinder its performance. Keeping the app updated and checking for any reported issues or updates from Apple can assist in resolving these bugs and ensuring the optimal functioning of Apple Pay.

Low battery charge

Insufficient battery levels can also impact the effectiveness of Apple Pay. To facilitate secure transactions, Apple Pay requires a minimum battery level. Ensure that your iPhone has an adequate charge before attempting to use Apple Pay, as a low battery may result in transaction failures or the unavailability of the service.

By addressing these common issues, you can enhance the reliability and effectiveness of Apple Pay on your iPhone, ensuring a seamless and secure payment experience.

7 ways to fix Apple Pay not working

We'll explore seven effective ways to address and resolve issues when Apple Pay is not working as expected. Whether you're facing difficulties with transactions, setup, or authentication, our step-by-step solutions aim to help you get your Apple Pay back on track quickly and smoothly. Let's dive into the tips and tricks to ensure a seamless and trouble-free experience with Apple Pay.

Check your network connection 

A robust internet connection is crucial for the seamless operation of Apple Pay. I've personally faced situations where a slow or sporadic connection hindered my payment experience. To troubleshoot this, follow these step-by-step instructions:

Step 1: Access device settings 

Begin by opening the settings menu on your Apple device. You can usually find this icon on your home screen.

Step 2: Navigate to "Wi-Fi" or "Cellular Data"

Once in settings, locate and tap on either the "Wi-Fi" or "Cellular Data" option, depending on your preferred connection method.

Step 3:  Verify connection status

Check if your Wi-Fi is active and connected to a reliable network. If you're using cellular data, ensure it is turned on and has a strong signal.

Step 4: Restart router 

If your device connection seems fine but Apple Pay is still problematic, consider restarting your router. Find the power source, disconnect it for about 10 seconds, and then plug it back in.

Step 5: Toggle Airplane mode 

If the issue persists, try toggling Airplane mode on and off. This simple action can refresh your device's connection to the network.

Following these steps ensures that you've thoroughly examined and optimized your network settings, potentially resolving any connectivity issues that might be impacting your Apple Pay experience.

Check your internet connection

Verify Apple Pay settings 

When encountering problems with Apple Pay, one of the initial steps I take is to examine my settings. Follow these step-by-step instructions to ensure your Apple Pay settings are optimized:

Step 1: Open device settings

Access the settings menu on your Apple device. This is typically represented by a gear icon on your home screen.

Step 2: Navigate to "Wallet & Apple Pay"

Within the settings, locate and tap on "Wallet & Apple Pay." This is where you manage the configurations related to your digital payment methods.

Step 3: Confirm card information

Check if your cards are correctly added and up to date. Verify that there are no expired cards associated with your Apple Pay account, as outdated information can lead to payment failures.

Step 4: Review billing address

Ensure the billing address linked to your cards is accurate. Discrepancies in the billing information may result in authentication issues during transactions.

By diligently following these steps, you can ensure that your Apple Pay settings are in order, minimizing the chances of encountering payment hiccups due to outdated or inaccurate information.

Verification in Apple Pay

Update iOS software 

Maintaining the latest iOS software is critical for the optimal functioning of Apple Pay. Here's a simple step-by-step guide to ensure your device is running the most up-to-date operating system:

Step 1: Access device settings

Begin by opening the settings menu on your Apple device. This is typically represented by a gear icon on your home screen.

Step 2: Navigate to "General"

Within the settings, locate and tap on "General." This section encompasses overarching configurations for your device.

Step 3: Select "Software Update"

Once in the "General" settings, find and tap on "Software Update." This will prompt your device to check for any available updates.

Step 4: Install updates

If there are updates available, your device will display them on the screen. Follow the on-screen instructions to download and install the latest iOS version.

Regularly updating your iOS software through these steps can resolve potential compatibility issues with Apple Pay, ensuring a seamless and efficient digital payment experience. Personally, I've found that this straightforward practice not only resolves technical glitches but also enhances the overall performance and security of Apple Pay.

iOs Software update

Ensure sufficient funds

Maintaining an adequate balance in your linked account is a fundamental but frequently overlooked aspect when it comes to Apple Pay functionality. Here's a step-by-step guide to ensure you always have enough funds:

Step 1: Open your banking app or website

Access your linked bank account through its dedicated app or website. This is where you can review your current balance and recent transactions.

Step 2: Check account balance

Verify that your account has sufficient funds to cover your intended purchases. This step is crucial in preventing transaction failures due to insufficient funds.

Step 3: Review recent transactions

While in your banking app or website, take a moment to review recent transactions. Ensure there are no unexpected charges or discrepancies that could impact your available balance.

Step 4: Set up account notifications

Many banking apps allow you to set up notifications for low balances or unusual transactions. Consider enabling these notifications to receive alerts if your account balance is running low.

Step 5: Consider auto-reload options

Some payment methods linked to Apple Pay, such as prepaid cards, offer auto-reload options. If applicable, consider enabling this feature to automatically add funds to your card when the balance is low.

By consistently following these steps, you can avoid the inconvenience of declined transactions due to insufficient funds. Personally, I've experienced the frustration of such situations, and taking proactive measures to ensure ample account balance has significantly contributed to a smoother Apple Pay experience.

Insufficient balance

Restart your device

The age-old adage of "turning it off and on again" remains a tried-and-true remedy for various technological hiccups, and Apple Pay is no exception. Follow these straightforward steps to restart your device and potentially resolve minor issues:

Step 1: Locate the power button

Identify the power button on your Apple device. This is usually located on the top or side of the device.

Step 2: Hold down the power button

Press and hold down the power button until the "slide to power off" slider appears on your screen. This action initiates the shutdown process.

Step 3: Slide to power off

Slide the on-screen slider to power off your device completely. Wait a few seconds after the device turns off.

Step 4: Power your device back on

Press and hold the power button again until the Apple logo appears on the screen, indicating that your device is restarting.

Step 5: Retry Apple Pay transaction

Once your device has fully rebooted, attempt your Apple Pay transaction again. The restart process often refreshes system processes, potentially resolving any glitches that may have hindered your payment experience.

Personally, I've found that this simple yet effective solution can swiftly address minor issues, making it a go-to method when faced with Apple Pay disruptions. By incorporating this quick restart into your troubleshooting routine, you may find that it significantly contributes to the overall smoothness of your digital transactions.

Contact Apple Support 

In the event that all your efforts prove fruitless, reaching out to Apple Support is a reliable avenue for personalized assistance. Here's a step-by-step guide on how to connect with them:

Step 1: Visit the official website

Navigate to the official Apple website using your preferred web browser.

Step 2: Access the Support Section

On the Apple website, locate the "Support" section. This is typically found in the top menu or at the bottom of the page.

Step 3: Choose your product

Select the specific Apple product you're experiencing issues with. In this case, choose the option related to your device, such as iPhone or iPad.

Step 4: Explore support options

Once you've selected your product, explore the support options available. This may include articles, forums, or direct contact options.

Step 5: Contact Apple Support

Choose the contact option that suits your preference. Apple offers support through live chat, email, or a callback service. Alternatively, you can schedule an appointment for in-person assistance at an Apple Store.

Step 6: Provide relevant information

When contacting Apple Support, be prepared to provide relevant information such as your device model, iOS version, and a detailed description of the issue. This enables the support team to offer targeted solutions more efficiently.

Personally, I appreciate the efficiency of Apple's support system. Whether through their website, over the phone, or in-person at an Apple Store, their knowledgeable support staff can guide you through more complex problems that standard troubleshooting might not address. So, if you find yourself at an impasse, don't hesitate to leverage the expertise of Apple Support for a swift and tailored resolution.

Sign out and sign back in 

If your Apple Pay is encountering issues on your iPhone, a potential resolution lies in signing out of your Apple ID account and then signing back in. This straightforward process can effectively address glitches or errors within the Apple Pay system. Follow the step-by-step guide below:

Step 1: Open the Settings app

Launch the Settings app on your iPhone. Locate the app icon on your home screen, which resembles a gear.

Step 2: Access your Apple ID

Within the Settings menu, tap on your name at the top. This will lead you to the section dedicated to your Apple ID settings.

Step 3: Navigate to Media & Purchases

In the Apple ID menu, find and select "Media & Purchases." This option is crucial for managing your Apple ID settings and preferences.

Step 4: Initiate Sign Out

From the pop-up menu that appears, choose "Sign Out." This action will prompt a series of additional prompts, including entering your password to disable the Find My Phone feature and confirming the retention of essential information like contacts.

Step 5: Sign back in

After successfully signing out, proceed to sign back in to your Apple ID. Enter your credentials when prompted.

Step 6: Check for resolution

Once signed back in, navigate to Apple Pay and test its functionality. Attempt a transaction or use the service as you normally would. Observe if the problem persists.

Step 7: If issues persist

If the problem continues, consider exploring additional solutions or reaching out to Apple Support for further assistance.

By following these steps, you can effectively troubleshoot and address potential glitches in the Apple Pay system on your iPhone. This method serves as a quick and reliable way to refresh the system and restore seamless functionality.


Discovering why your Apple Pay is not working can be a frustrating experience, but with the right troubleshooting steps, you can often resolve the issue quickly. Personally, overcoming these challenges has only strengthened my trust in this efficient and secure payment method. So, the next time you face an Apple Pay hiccup, don't panic—try these 7 ways to fix it and get back to making swift and secure transactions.

About the Author Peter K.

Peter K. is an experienced digital marketer with a decade of expertise in driving business growth through innovative strategies. His data-driven approach and deep understanding of SEO, PPC, social media, and content marketing have propelled brands to new heights. With a client-centric mindset, Peter builds strong relationships and aligns strategies with business goals. A sought-after thought leader and speaker, his insights have helped professionals navigate the digital landscape. Trust Peter to elevate your brand and achieve success in the digital era.

Peter K.

April 4, 2024