Apple Pay offers a simple and safe way to make payments with your iPhone. It’s swift, straightforward, and allows for touch-free transactions. But, like all tech, there can be times when it just doesn’t work. That’s a bummer, especially if you’re in a hurry.

Is your Apple Pay Not Working? Then Don’t worry. The problem could be with your iPhone, the credit or debit card you’ve added, or even the checkout terminal itself. This guide will help you tackle any “Apple Pay Not Working” issues on iPhones using iOS 17.

Why Apple Pay is Not Working on My iPhone?

There could be several reasons:

• iPhone Compatibility: It’s a must-have iPhone 6 or later with iOS 13 or higher.
• Card Support: Not every credit or debit card is Apple Pay-friendly.
• iOS Version: Ensure you’re rocking the latest iOS version.
• Payment Terminal Status: Ensure the terminal is powered on and set to accept payments.
• Physical Interference: In some cases, screen guards might obstruct the NFC chip, located near the Apple logo.
• iPhone Security: You’ll need to have a passcode set for Apple Pay transactions.
• Server Glitches: Stay updated on Apple Pay service interruptions.

How to Fix Apple Pay Not Working on iPhone

Once you get the “Apple Pay Not Working” Error then you can try the below troubleshooting to resolve your issue.

Check Where Apple Pay Works

Apple Pay not working globally. If you’re an American traveling abroad, you might land somewhere it’s not accepted. Here’s how to check:

• Look up countries that support Apple Pay. Apple Pay is in:
  • Africa
  • Asia-Pacific
  • Europe
  • Latin America & the Caribbean
  • Middle East
  • North America

Need specifics? Head to Apple’s official website for a detailed list. If you determine that you’re in a supported region and still encounter issues, there may be other factors at play, and you might need further troubleshooting or assistance from Apple support.

Make Sure The Store Accepts Apple Pay

When you’re out shopping and want to use Apple Pay, always check if the store accepts it. Look for an Apple Pay sign near the checkout or simply ask a staff member. You’ll usually see a clear indicator if they do.

Yet, if you’re certain the store takes Apple Pay and you’re still having trouble, it could be an issue on the store’s end.

Check Apple’s System Status

Sometimes, Apple’s systems can have issues. If Apple Pay not working for you, it might be because of Apple Pay Server, not your iPhone. Here’s what you can do:

• Go online and visit Apple’s System Status page.
• Look for “Apple Pay & Wallet“.
• A green circle means all’s good. If not, Apple’s having issues and you’ve gotta wait it out.

If Apple Pay is not working because of the system, you’ll have to wait. Once the green circle shows up again, you can use Apple Pay as usual.

Pick a Card Yourself

Apple Wallet holds several cards for Apple Pay use. You can choose any card for payment. Typically, just waving your iPhone near the terminal does the trick. But if the default card isn’t working, manually picking one usually solves the problem. Here’s how to do it:

• Open Wallet on your iPhone.
• Tap on the card you’d like to use.
• Then, use it at the checkout or for Payment.

Remove and Re-add Your Card

A quick fix often involves removing and then re-adding the troublesome card in Apple Wallet. If you’ve got several cards and just one’s causing a hitch, this might do the trick. Here’s the drill:

To Remove Card:

• Open the Wallet app on your iPhone. Find the card that’s giving you trouble.
• Tap on that card.
• Scroll down and Choose “Remove This Card” from the options.
• Confirm by tapping “Remove“.

To Add Card:

• Go back to the main page of the Wallet app.
• Click the “Add Card” sign to add a card.
• Follow the steps on your screen to add your card back.

Sign Out & Back In Your Apple ID

To fix Apple Pay issues on an iPhone with iOS 17, consider logging out of your Apple ID and then logging back in. This often refreshes settings and clears small bugs. Here’s the procedure:

• Open the Settings app on your iPhone. Tap your profile icon at the top.
• Scroll to the bottom and tap “Sign Out“.
• Restart your iPhone.
• Go back to “Settings” and sign into your Apple ID.

This process resets connections to Apple’s servers and can help with Apple Pay problems.

Check Internet Connection and VPN

A key element affecting Apple Pay on an iPhone with iOS 17 is your internet quality. Apple Pay requires a steady connection for transactions, so weak internet can pose problems.

Additionally, VPNs sometimes interfere with Apple Pay. Certain VPN setups might unintentionally hinder its connection, causing failed transactions.

A shaky internet or a VPN can mess things up:

• Ensure you’ve got a strong Wi-Fi or data connection.
• Reboot your modem and router if needed.
• If you’re using a VPN, switch it off briefly to see if that’s the issue.

Contact Your Bank

At times, your bank may halt a payment. Since Apple doesn’t green-light every bank card, it’s best to reach out to your bank directly. Either visit a local branch or use their online services to address Apple Pay issues.

If those steps don’t resolve it, or your bank confirms no issues on their end, consider reaching out to Apple Support.

Seek Help from Apple

Apple consistently offers quick and efficient customer support. If you’ve tried all the above troubleshooting steps without success, visit the Apple Support website to report your issue. They’ll work to provide the best solution or fix your Apple Pay Not working problem.

Which Prepaid Cards Work with Apple Pay?

As of September 2023, a majority of prepaid cards carrying the Visa, Mastercard, or American Express logo are compatible with Apple Pay. Nevertheless, it’s essential to note that certain exceptions exist, and it’s always advisable to consult with your card provider for confirmation.

Below is a compilation of widely-recognized prepaid cards that are supported by Apple Pay:

• American Express Serve
• Bluebird by American Express
• Cash App Card
• Chime Visa Prepaid Card
• Green Dot Prepaid Visa
• Netspend Prepaid Visa
• OneVanilla Visa Prepaid Card
• RushCard
• Venmo Visa Prepaid Debit Card
• Walmart MoneyCard
• Wells Fargo EasyPay Card

Virtual prepaid cards, which are digital-first and managed online, are also often usable with Apple Pay. These cards can facilitate both online and in-store purchases via Apple Pay. A few well-known virtual prepaid card providers that are compatible with Apple Pay are:

• Netspend
• Payoneer
• Privacy.com
• Revolut
• Wise

Fix Apple Pay…

That’s it!, Apple Pay stands as a testament to modern transaction convenience. Yet, even the best technologies can face challenges. By utilizing our troubleshooting guide and leveraging Apple’s steadfast support, you can swiftly address and resolve any glitches. Stay informed, stay patient, and continue to relish the unparalleled simplicity of Apple Pay transactions.

FAQ’s for Apple Pay