After launching as a service in 2014, Apple’s near-field communication (NFC)-based payment system, Apple Pay, has single-handedly eliminated the need to carry a physical wallet with us everywhere we go. It allows users to turn their everyday iPhone into a digital wallet and pay for just about anything in stores using their iOS 17 devices.
However, if you are an avid Apple Pay user, we are sure you know about the frustration when it stops working when making a payment in a store and not having your physical wallet on you. So, if you have been in a similar situation and are looking for ways to fix the Apple Pay not working issue on your iPhone, your search ends here!
In this in-depth guide, we have listed some of the most effective troubleshooting methods to resolve the Apple Pay not working issue on your iPhone and get it up and running. Check out the following section for all the details!
Fix Apple Pay Not Working on iPhone
Now, the Apple Pay not working issue on the iPhone is not an uncommon one, and many iPhone users often face it when making payments in stores. However, there is no specific reason for why the issue might arise and there can be various factors involved.
It might be because of an incompatible payment terminal, the Apple Wallet app malfunctioning, an unexpected system error, and whatnot. So, in this troubleshooting guide, we have tried to address every possible reason for the Apple Pay not working issue on the iPhone.
We have provided a few fixes, along with easy-to-follow, step-by-step guides, that might instantly get the NFC-based payment service on your iPhone up and running once again. Check them out right below!
1. Make Sure Apple Pay is Available in Your Region
Now, if you are trying to set up Apple Pay on your iPhone in iOS 17 but cannot find a way to do so anyhow, it might be because of region restrictions. You see Apple Pay is not available in various countries and regions around the world where neither users are able to set up the NFC-based payment service on their devices nor any businesses are able to accept it in their stores.
So, before trying to set up Apple Pay on your iPhone, make sure it is available in your country or region. You can check out the list of countries where Apple Pay is available on Apple’s official website. If your country is not mentioned on the list, you will not be able to use Apple Pay on your iPhone.
2. Make Sure Your iPhone Supports Apple Pay and is Up to Date
When it comes to the Apple Pay not working issue on the iPhone, it is commonly caused due to incompatible iPhone models running iOS versions that do not support Apple’s payment system in a region. We understand that it sounds a bit confusing and that is because it is!
The Apple Pay system has varied requirements for iPhone models and iOS updates, depending on the country and region where you are using it on your iPhone. For instance, if you want to use Apple Pay in mainland China, you will only be able to use it on the web in Safari on an iPhone that supports iOS 11.2 or higher.
Whereas, if you want to use Apple Pay in Chile or Vietnam, you will be able to use it for in-store purchases using an iPhone 6 or later that is running iOS 12.5.2 or newer iOS versions.
Hence, before you get started with Apple Pay only to find you are facing the Apple Pay not working issue on your iPhone, we’d recommend you check out Apple’s official support page on Apple Pay device compatibility via the provided link. You can also research more about it to find out relevant facts about using Apple Pay in your specific region that might help resolve the Apple Pay not working issue on your device.
3. Make Sure Apple Pay is Accepted
Another important thing to keep in mind when using Apple Pay on your iPhone in a store is whether the store’s payment terminal accepts the payment system or not. While there are millions of stores spread throughout the world that accept Apple Pay, there are some that do not.
So, if you are trying to use the payments service in such a store in which the payment terminal does not accept Apple Pay, you will be faced with the Apple Pay not working issue on your iPhone instantly.
An easy way to find out whether or not a store accepts Apple Pay or not is to look for the Apple Pay signs or symbols in or outside the store. You can find some of the symbols used to show Apple Pay is accepted in a store in the following image.
You can also check out this official Apple support page to know which symbols to look for in your region when you are searching for an Apple Pay-enabled store near your location.
4. Select Your Debit/ Credit Card Manually
One of the effective troubleshooting methods to resolve the Apple Pay not working issue on your iPhone is manually selecting the debit or credit card in the Wallet app on your device. This trick has worked for many users, and it is fairly easy to execute.
So, if Apple Pay does not work instantly on your iPhone when making a payment in a store, you can follow the steps right below to manually select your debit or credit card to make the payment:
1. Locate and launch the Wallet app on your iPhone.
2. Browse through your saved cards and tap the one that you want to use for the payment.
3. With the card selected in the Wallet app, bring your iPhone near the point-of-sale terminal of the store to complete the required payment using Apple Pay. If the trick works, the payment will be made via Apple Pay successfully on your iPhone.
4. Force Close and Relaunch the Wallet App
A technical glitch in the Wallet app on your iPhone can also cause the Apple Pay not working issue on your iPhone in iOS 17. In this case, one of the easiest fixes that you can try to resolve the said issue is force-closing the Wallet app and then relaunching it on your device.
You can follow the steps right below to do the same on your iPhone in iOS 17:
1. With the Wallet app opened on your iPhone, swipe up from the bottom of your screen to open the multitasking view. On iPhones with a Home button, you can double-press the Home button to open the multitasking view.
2. On the following app carousel, tap the hold the Wallet app card and swipe it upwards to force-close it.
3. Once it is closed, exit the multitasking view, locate the Wallet app, and reopen it on your device again.
4. After relaunching the Wallet app on your iPhone, check whether or not the Apple Pay not working issue has been fixed on your iPhone in iOS 17 or not.
5. Check Apple Pay Servers
Another reason why you might face the Apple Pay not working issue on your iPhone in iOS 17 could be because of server issues. You see, much like other digital services, Apple Pay also relies on cloud servers to allow users to make digital payments on their iPhones.
At times, these servers might face downtime due to technical issues or maintenance purposes. In that case, you will not be able to use Apple Pay temporarily on any of your Apple devices until the server comes back online again.
You can check Apple’s official system status page to check the server status for the Apple Pay & Wallet service. If it is green, it means that there are no server issues from Apple’s end.
If, however, it is not, it means that the Apple Pay servers in your region are currently facing downtime. In this case, all you can do is wait for the Apple Pay server to come back online before you can start using the service on your iPhone once again.
6. Restart Your iPhone
Although it sounds like the solution from that IT guy on the phone, a quick restart of your iPhone is one of the most effective fixes for technical issues such as the Apple Pay not working issue.
So, if you are stuck with Apple Pay not working when making a payment in a store, you can quickly restart your iPhone to check whether or not it resolves the said issue on your device. If it works, it will get Apple Pay up and running on your iPhone instantly.
1. So first, shut down your iPhone, and for this, press and hold the Power button and either of the Volume buttons on your iPhone (with Face ID) until the Shutdown screen appears. On iPhone models with Touch ID, simply press and hold the Power button until the power off slider comes up.
2. Tap and hold the slider and slide it from left to right to turn off your iPhone.
3. Once your iPhone is completely turned off, press and hold the Power button once again until the Apple logo appears on the screen.
Following the restart, wait a few moments before unlocking your iPhone. Then try to use Apple Pay to make the payment in the store and check whether or not it is working on your iPhone.
7. Contact Your Bank
Apart from issues with the Apple Pay servers, technical issues with the servers of the bank, via which you are trying to make a transaction, can also hinder Apple Pay operations on your iPhone.
In this case, you can contact your bank or an executive of the bank whose debit or credit card you are using to pay via Apple Pay to check whether their servers are facing any downtime or issues. If that is indeed the case, you can try using an alternate bank card to make the payment using Apple Pay on your iPhone.
8. Contact Apple Support
Now, if all of the above fixes to resolve the Apple Pay not working issue on your iPhone fail, you can contact Apple Support to get the necessary help. You can go to the official Apple Support page for the iPhone to check out your options.
Better yet, we’d recommend you take your iPhone to a nearby Apple Store and explain your issue to one of the Apple experts in the store. They will surely try their best to resolve the said issue on your iPhone in iOS 17 and get Apple Pay up and running on your device for good.
Does Apple Pay require the internet to work on the iPhone?
No, Apple Pay on the iPhone uses near-field communications (NFC) technology with supported point-of-sale terminals to make the payments. Hence, users do not require their iPhones to be connected to an active Wi-Fi network or a mobile data plan to use Apple Pay.
Is Apple Pay available in every country?
No, Apple Pay is not available in every country in the world. It is only available in certain countries such as the US, Morocco, South Africa, most European and Latin American nations, and a few certain Middle-Eastern countries.
Why is Apple Pay not working on my iPhone?
There can be a variety of reasons why Apple Pay might stop working on your iPhone. These include issues in Apple Pay servers, misconfigured Apple Pay settings, issues with debit or credit cards set up with Apple Pay, and many others.
So, there you have it! This was all about how to fix Apple Pay not working on iPhone in iOS 17. Apple Pay is essential in the lives of millions of users and when it stops working on the iPhone, these users are left essentially money-less, especially those who do not carry a physical wallet with them all the time.
Hence, if you are one of these users and often face the Apple Pay not working issue on your iPhone, we hope this guide helps you resolve it on your device. If it did, let us know in the comments right below!