Why Doesn’t My Apple Pay Work?

If you’re wondering why your Apple Pay isn’t working, there are a few possible explanations. Here’s a look at why your Apple Pay might not be working and what you can do about it.

Checkout this video:

Check your internet connection

If you’re using Apple Pay in a store, restaurant, or other business, make sure that you’re connected to the internet. You might need to turn off Airplane Mode or use Wi-Fi.

If you can’t connect to the internet, try again when you have a better connection. You can use apple pay without an internet connection if you set up Apple Pay Cash ahead of time.

Check to see if Apple Pay is set up

If you’re having trouble using Apple Pay at a grocery store, gas station, or other retail location, make sure that Apple Pay is set up on your device. You use apple pay with iPhone 6s and later in stores, within apps, and on websites in Safari.

Open the Wallet app to see if you’re signed in to iCloud. If you’re not signed in, follow the instructions on the screen.
Tap Settings > Wallet & Apple Pay, then turn on Allow Payments on Lock Screen.

Check if your device is compatible

If you’re using an iPhone 6 or later,* you need to have iOS 11 or later installed. apple watch you need watchOS 4 or later.

If you’re using an iPhone SE, iPhone 5s, or iPhone 5,* you need to have iOS 10 or later installed.

*use apple pay in a store, your iPhone needs to be near the reader and you might need to authenticate with Touch ID or Face ID.

Check if your bank or card issuer is supported

If you’re trying use apple pay and it’s not working, the first thing you should do is check to see if your bank or card issuer is supported. If your bank or card issuer is listed below, contact them to make sure that your card is set up for Apple Pay.

-Bank of America
-Wells Fargo
-Chase
-Citi
-American Express
– Barclays
– Capital One
– Goldman Sachs
– HSBC
– Morgan Stanley
– PNC
– USAA

Check the status of Apple Pay

Before you begin, check the status of Apple Pay:

1. Make sure that you have the latest version of iOS, watchOS, or macOS.
2. On your iPhone or iPad, go to Settings > Wallet & Apple Pay and make sure that Wallet & Apple Pay is turned on.
3. On apple watch open watch app on your iPhone and tap Wallet & Apple Pay. Turn on Allow Payments When Wrist Detection is Disabled.
4. If you’re using macOS Catalina 10.15 or later, open the Security & Privacy pane of System Preferences and click the Privacy tab. Select Wallet & Apple Pay from the list of applications on the left side of the pane. Make sure that both “Wallet” and “Apple Pay” are checked on the right side of the pane.

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