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Apple Pay not working in iOS 15 on iPhone and iPad? Here’s the Fix

Apple Pay is not working on iPhone, and you are unable to fix it using traditional solutions. Apple Pay creates a secure connection and utilizes NFC technology to make payments in local retail stores. Global consumers are switching to digital payments due to the ongoing pandemic and its convenience. I’m no longer holding cash in my wallet since every store, and retail business accepts wireless payments. I’m loving cashless transactions that have fewer security concerns compared to card or cash payments.

Solved: Why is Apple Pay not working on my iOS device?

Several factors play into the Apple Pay failure, and we cannot blame the company without concrete proof. Instead, we can troubleshoot the problem using various methods and make it work quickly. You don’t have to scratch your head to identify the core problem because it will unveil as you apply the solutions.

  • Tap Settings > General > Shut Down.
  • Toggle to turn off iPhone.

In case, if the sleep or wake button is not working, then you can connect the charging cable to turn on the iPhone automatically. iOS device owners can restart the smartphone without working physical buttons.

Charge iPhone

Apple Pay won’t work, if the battery charge is less than 20% or to what you have customized it in the battery settings. Many carry power banks in the bag, and it’s time to juice up the iOS device back to 50% for a smooth transaction. You can disable Low Data Mode, which will prevent the device from using Apple Pay services.

Apple Server Downtime

Apple Servers are hosted on advanced AWS (Amazon Web Services), and it is one of the prominent services in the world. Server downtime is a common problem that almost every web services face, and we have to confirm in Apple Servers case.

You should note the last time the server status checked and your current region because several iPhone users have enabled VPN in the device. Turn off VPN and check the location to learn accurate Apple Servers status.

Close Wallet Apps

iPhone is available in 200 countries, and every country has unique offerings in the region. Several companies have come up with different types of wallets for the citizens, and having a wallet app opened in the background can create a problem. Close all background running Wallet apps, including Apple’s proprietary Wallet app.

Choose Card Manually

Many iPhones have multiple cards added to the Wallet app, which creates complications for the Apple Pay-ready terminal to communicate with the NFC chip.

  • Open the Wallet app.
  • Select the Credit Card or Debit Card manually.
  • Hold your iOS device near the card reader.
  • Confirm identity using Touch ID or Face ID.
  • Your payment is done.

NFC technology is not perfect, and it is combined with the Apple Pay system, so there is a chance of malfunction.

Re-Add Debit Card or Credit Card

Applying the above solutions should have made Apple Pay functional again, but if nothing has changed, then you can re-add the card.

  • Open “Settings” on iPhone.
  • Go to “Wallet & Apple Pay” in the settings.
  • Select the card to remove it.
  • Tap “Remove Card.”
  • Return to Settings, then Wallet & Apple Pay.
  • Select “Add Credit or Debit Card”.

You have successfully re-added your card in the Wallet app and now, confirm its status. Your iPhone should not have any complications making payments now, but consider removing the case. Several cases have meddled with the NFC communication line, which resulted in Apple Pay failures.

Reset iOS or iPadOS device

The worst-case scenario would be erasing the iPhone and setting up Apple Pay, again. There might be a problem with the certain configuration, which is leading Apple Pay towards failure. Create a backup in the local storage and iCloud, but iTunes backup is superior in many ways. Charge your iPhone to 100%, and you can keep the device connected to the charging brick.

  • Tap on the Settings > Transfer or Reset iPhone > Reset > Reset All Settings.
  • Confirm action with Touch ID, Face ID, or Passcode.
  • Tap “Reset All Settings” to begin the process.

Your iPhone will restart, and the Apple logo shows up on the screen. Let your iOS device reset all custom settings, which will remove Apple Pay options as well. Wait for five minutes to complete the iPhone reset and set up Apple Pay again.

What’s next?

Contact Apple Customer Care, if Apple Pay is not working despite trying all solutions mentioned above. Meanwhile, you can book an appointment with Authorized Service Center for further assistance. Let us know which solution helped you in solving Apple Pay problems in the comment section below.

Nurdin Navodiya
An avid young Blogger, Tech Writer, Web Developer and Founder of iTechCliq.com.


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