Is Your Apple Pay Not Working? Here’s How to Fix

Apple Pay
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If you have been using Apple Pay for making payments online, then we definitely know how frustrating it can be to experience that Apple Pay is not working.


It is also worth noting that there are several troubleshooting steps you can try in order to make Apple Pay work again.

So, in this article, we are going to fix all the problems which you are facing regarding apple pay not working error and get it back to its working state:

How to Fix if Apple Pay Not Working on iPhone?

We are going to show you multiple ways in which you can fix Apple Pay not working on iPhone issues and we do hope that one of these steps will help you fix the issue.

Check your battery life

If you are using your iPhone for the whole day and you have less than 20% battery life left on your phone then that could be the reason why Apple Pay is not working on your device.

It is known that iPhones have battery saver mode which kicks in after 20% and it does hibernate some apps to an extent that you can’t use them any longer.

For example, you would have seen that if your iPhone goes below 5% then your flash gets disabled.

The same is the case with Apple Pay and you need to charge your iPhone to start using Apple Pay once again on your device.

Check Apple Pay Service Status

It is also possible that you are trying to find the reason why Apple Pay is not working but the actual problem is not your iPhone but Apple Pay’s servers.


We have seen several times that Apple Pay does not work all of a sudden because its servers are down all over the world.

If you want to check if your Apple Pay not working issue is because of Apple Pay’s servers then you can check its status page.

Apple Pay System Status - Apple Pay Not Working

For example, at the time of writing this article, everything is available on Apple’s service status page with a green symbol next to it.

If any service from Apple is down, you will see a red symbol next to it which means it is unavailable.


In that case, you simply have to wait for Apple’s engineers to get the service back up and running and your Apple Pay will start working again.

Check if the store accepts Apple Pay

We have seen that there are some stores that do not accept Apple Pay so it is best to check with the store you are in whether or not they accept Apple Pay or not.

If the store employee says that Apple Pay is not accepted then you can’t use Apple Pay inside the store.

Remove your iPhone’s case/cover

Sometimes, it is possible that the case or cover that you have put on your iPhone in order to protect it from dents and scratches is also the main culprit behind your Apple Pay not working issue.


So, if you know that Apple’s service is available and the store accepts Apple Pay, and also your battery is above 20% then you can remove your case once and try to pay via Apple Pay again.

Switch to credit instead of debit

If you have both a debit card and a credit card inside your Apple Pay and you are using your debit card to pay via Apple Pay then we have seen users say that they have been able to pay if they switch from debit card to credit card.

For some reason, Apple Pay works better with credit cards than debit cards so it is best to switch to a credit card as the preferred mode of payment if you can.

Remove and Add the Card again

We know that removing your credit/debit card from Apple Pay and adding it again in the middle of a transaction while you are in a line at Walmart or IKEA or Starbucks is not something you want to be doing.


But we have seen users confirm that they were able to process payments via Apple Pay when they removed their existing card and added the same card details to the app once again.

To remove your card from Apple Pay, do the following:

  • Go to Settings on your iPhone and go to Wallet & Apple Pay.
  • Choose the card you want to be removed and tap on it.
  • Now, look at the bottom for the option to Remove Card and click on it.
  • Confirm the removal and your card will be removed.

Now, add your card to Apple Pay as follows:

  • Go to Settings > Wallet & Apple Pay.
  • You will see a button named “Add Credit or Debit card” under the Cards section.
  • Tap on it and add your card details and your card will be added back to your Apple Pay account.

We are sure that this will fix your Apple Pay not working issue and you will be able to make payments again using your iPhone.


Contact your bank

We have seen that sometimes there is no issue with Apple Pay but rather there is an issue with the bank that provided you the card.

For example, similar to Apple Pay servers, there are servers for your credit/debit card providers as well and they can be down as well.

Unfortunately, you can’t check its server status as there is no such facility but you can contact your bank to ask if its systems are up or not.

Again, if they tell you that their systems are down then you have no option but to wait for the servers to come back online.


Until then, you will not be able to use your card or Apple Pay to make payments from that particular card.

This is also the reason why we recommend people to have multiple cards and that too from different banks so that if one goes down then you can process payment by selecting a different card and not get stuck in the middle of nowhere.


In this article, we have mentioned all the possible ways through which you can fix your Apple Pay not working issue.

We are sure that at least one of these methods will fix your problem and you will be able to use your Apple Pay once again.


Feel free to share this article with your friends and family who are also having problems with Apple Pay not working so that they can get help too.

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