How to Fix Apple Pay Not Working

Apple Pay issues are usually caused by Face ID or Touch ID failing, a card needing re-verification, or a temporary bank hold.

Likely causes

• Face ID or Touch ID not recognising you quickly enough
• Card not verified with your bank
• NFC not working on the terminal
• Payment limit exceeded (contactless)
• Outdated iOS

Step-by-step fix

1. 1
   Make sure NFC is on

   iPhone: NFC is always on. Check the terminal — hold your phone within 2cm of the contactless symbol.

2. 2
   Verify your card

   Wallet app → tap your card → complete any pending verification. Banks sometimes require a text code after adding a card.

3. 3
   Re-add your card

   Wallet app → tap your card → tap the three dots → Remove Card. Then add it again from your bank's app.

4. 4
   Update iOS

   Settings → General → Software Update. Apple Pay issues are sometimes fixed in iOS updates.

5. 5
   Restart your iPhone

   A simple restart fixes most temporary Apple Pay glitches.

6. 6
   Contact your bank

   If the card keeps declining, your bank may have flagged the transaction. Call the number on the back of your card.

Frequently asked questions

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