If you’re wondering why your Apple Pay isn’t working, there could be a few different reasons. In this blog post, we’ll explore some of the most common reasons why Apple Pay might not be working for you.
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Check if your device is compatible
Apple Pay is compatible with the iPhone 6 and later, as well as the iPad Pro, iPad Air 2, iPad mini 3, and later.apple watch users need the apple watch Series 1 or Series 2, and an iPhone 5 or later running iOS 8.2 or later. If you’re not sure which device you have, you can [identify your iPhone](https://support.apple.com/kb/HT3939), [iPad](https://support.apple.com/kb/HT5894), or [Apple Watch](https://support.apple.com/kb/HT204506).
If you have a compatible device and meet the other requirements below, but Apple Pay still isn’t working, contact your bank or card issuer to make sure that your card is set up for Apple Pay.
Make sure you’re using the latest version of iOS
One of the first things you should do if Apple Pay is not working is to check that you’re using the latest version of iOS. To do this, open the Settings app and tap “General.” From there, tap “Software Update” and, if a new version of iOS is available, tap “Download and Install.” If you don’t see the option to update iOS, then your device is up to date.
Check that Apple Pay is set up
Before you use apple pay you need to set it up on your iPhone or iPad. If you have questions about setting up Apple Pay, contact your bank or card issuer. They can help you troubleshoot and verify that your card is set up for Apple Pay.
Check if you have a supported card
If you’re trying use apple pay in a store, restaurant, gas station, or other merchant and you can’t, check to see if the merchant accepts Apple Pay. You might also be asked to authenticate with Face ID or Touch ID.
In some cases, you might need to contact your bank or card issuer to make sure that they support Apple Pay.
You can also try paying with your iPhone apple watch again. If you still can’t pay, check that you have the latest version of iOS or watchOS, and that your device has an Internet connection.
Check if you’re using the right card in the right country or region
If you’re using a credit, debit, or prepaid card in a different country or region than where it was issued, make sure that the card is available for use in Apple Pay. You can check this on the issuer’s website.
In some countries and regions, you might need to contact your card issuer to add your card to Apple Pay.
Check if you’re using the right Apple ID
When you set up Apple Pay, you’re asked to add a credit or debit card. You can add multiple cards to Apple Pay, and you might have added a card on your iPhone that you also have in Wallet on your Apple Watch. To check which cards are in Wallet on your Apple Watch, open the Wallet app.
If you’re using the apple id but you still can’t add a card to Wallet, contact your bank or credit institution to make sure that they support Apple Pay.
Check if you have a billing, shipping, or contact method on file
There might be an issue with the payment method that you have on file. To check for any issues, open the Wallet app, tap your Apple Pay card, then tap .
If you see a message that says “Transaction declined,” tap it to find out why. If you don’t see a decline message, contact your bank or card issuer to make sure that they support Apple Pay.
Check if you have a payment method on file
If you’re using Apple Pay in a store, checke to see if you have a payment method on file. If you’re using Apple Pay with a supported app or website and you can’t pay, check to see if you have enough money in apple id balance to cover the purchase. If you’re using Apple Pay with a supported app or website and you can’t pay, check to see if your device is signed in to iCloud with your Apple ID.
Check your card’s security features
Make sure that your card’s security features are turned on. For some cards, you might need to activate them before you can use them with Apple Pay.
If you’re not sure how to do this, call your bank or credit card issuer. They can tell you about the security features for your card, and how to turn them on.
Contact your bank or card issuer
Apple Pay should work with most credit and debit cards from major banks and card issuers. If you’re having trouble adding a card to Wallet to use with Apple Pay, make sure that you’re using a supported card from a participating issuer.
You can also contact your bank or card issuer for help. They might be able to tell you why your card isn’t working with Apple Pay, or help you sign up for Apple Pay if your card is eligible.