If Apple Pay is not working on your iPhone 13, these troubleshooting tips should get it working again.
Apple Pay is a contactless payment technology for Apple devices. It was designed to move consumers away from physical wallets into a world where your debit and credit cards are on your iPhone or Apple Watch, allowing you to pay using your device instead of a card.
While it works seamlessly at all times, it may run into errors. Sometimes you may get error messages like “Could not connect to Apple Pay” or “An error occurred…”. Sometimes when you attempt to pay with Apple Pay just like you did before to pay, nothing happens this time. In this article, we will see how to fix the ‘Apple Pay not working on iPhone 13’ issue.
The Causes of Apple Pay Not Working on iPhone 13
The most common reasons for Apple Pay not working on iPhone 13 is that the phone is low on battery charge, or the store doesn’t have the capability to accept Apple Pay.
Then again, there are times when you can’t get Apple Pay to work, which is inconvenient to deal with if you don’t usually carry cash. There could be issues with the Apple Pay servers, a faulty digital payment terminal, or problems with a particular debit or credit card.
How to Fix Apple Pay Not Working on iPhone 13
If you have trouble getting Apple Pay to work, there are a few things that you can do to resolve the issue. Most of these are fast and easy solutions to fix the problem and get Apple Pay working again.
Note: The solutions explained on this article applies to iPhone 13, iPhone 13 mini, iPhone 13 Pro, and iPhone 13 Pro Max.
1. Verify the POS System
First and foremost, verify that the POS (point-of-sale) terminal accepts Apple Pay payments. Although mobile wallets are widely recognized payment methods accepted by most major retailers in the US, you still can’t automatically assume that all merchants accept them.
If the POS system accepts Apple Pay, ask the store clerk if they frequently encounter similar issues with mobile payments. They might know some quick fixes. For instance, they might need to check the POS internet connection or change a setting at the checkout. They could even advise you to take off your phone case or hold the phone at a specific angle to improve NFC connectivity.
2. Restart Your iPhone
Before deciding to perform more extensive troubleshooting methods, try restarting your iPhone. Don’t skip this tip. A quick restart refreshes your device’s memory and clears the temporary cache, which might be interfering with the Apple Pay feature.
3. Check the System Status of Apple Pay
Once you’ve confirmed the store’s POS terminal, check the service’s status online. Apple Pay rarely goes offline. However, Apple might temporarily halt its Apple Pay services in specific areas when performing system-wide maintenance checkups and repairs.
Also, it takes less than 30 seconds to check the status; you wouldn’t lose much time either way. Just go to Apple’s System Status page and look for Apple Pay & Wallet. Here’s an explanation of what the various symbols mean:
- Green Circle: A green circle indicates that Apple Pay is online and available.
- Yellow Diamond: The yellow diamond means that Apple discovered potential performance issues, indicating that the service may be temporarily down.
- Red Triangle: A red triangle only appears if the developers declare a system-wide outage.
4. Set Up Apple Pay Again
If you receive an error message indicating that your Wallet doesn’t detect your card, disable Apple Pay for your Apple ID account then enable it again.
Go to Settings > [Your Name] > Payment and Shipping > Apple Pay. Then tap Remove Apple Pay. Afterward, sign out of your Apple ID, restart your iPhone, then sign in to your account and set up Apple Pay again.
5. Manually Select Your Card
Apple Pay automatically uses your default card for all payments—online and offline. Although this feature streamlines checkouts, the NFC chips on POS terminals don’t always read Apple Pay properly.
In these instances, you’ll need to select your preferred card manually. To pay with a card manually, go to the Wallet app by double-clicking the Side button or the Home button and choose the card you want to use for the purchase. Afterward, bring your phone up near the POS terminal. If the reason why Apple Pay wasn’t working involved NFC connectivity, your transaction should finally push through.
6. Remove Then Re-Add Your Credit Card
If you’ve already tried choosing a card manually, you might need to remove, add, and reshuffle the credit and debit cards in the Wallet app. This tip best applies to users with multiple cards. Keeping a malfunctioning card in your Wallet app compromises the other ones registered, causing payment glitches.
Also, newly added credit cards might not register with Apple Pay right from the get-go. The system might need some time to read and update your payment preferences, especially if your new credit card has a different billing address.
To add and remove cards, go to Settings > Wallet & Apple Pay > Payment Cards, then select Remove This Card on the malfunctioning card—or all your accounts. Afterward, restart your iPhone to clear the cache. Go back to the Payment Cards section and select Add Card. Repeat this as many times as needed.
7. Check Your Address and ZIP Code
If you encounter an error prompt that says “Address did not match” when removing and adding credit cards, you might need to update your billing address. Note that you’ll have to update the following:
- Wallet App: Go to the Wallet app and tap on the three dots on the corner of any card. Select Address > Edit. Update the billing address on all your cards to prevent similar errors from popping up again.
- Wallet and Apple Pay: Go to Settings > Wallet and Apple Pay > Payment and Shipping > Address, then edit the billing address indicated.
- Apple ID: Head over to Settings > Apple ID > Payment and Shipping > Address, then input the updated billing address.
8. Recheck Push Notifications
Make sure Apple Pay push notifications are enabled. Although they don’t directly affect the app’s performance, it’s helpful to receive timely transaction notifications while configuring payments, especially if you’re adding and removing cards. In the worst cases, you might miss crucial error prompts and system updates.
Go to Settings > Notifications > Wallet, then toggle the Notifications bar on or off.
9. Recalibrate the Time and Date
If you’re having trouble adding and removing credit cards to your Apple Pay app, check your device’s date and time. You might have accidentally changed it. Go to Settings > General > Date and Time, then toggle the Set Automatically feature to ensure that your device always stays updated no matter where you go.
10. Check for iOS updates.
The most common reason for Apple Pay to face errors is generally updates. Always ensure that your iPhone 13 Pro is running the latest version of iOS. To check for iOS updates, go to Settings > General > Software Update. If there is an update available, follow the onscreen instructions to install the update on your device.
11. Log out of your Apple ID and back in again
It’s possible that something has gone awry with the way you are signed into your Apple account, so in the same way that you might have tried to restart your iPhone or replace your credit card, you can sign out of your Apple ID and sign back in again. Go to Settings > Your Name > Sign Out.
12. Call Your Bank
If you’ve gone through this whole list and Apple Pay is still not working on your iPhone 13, it might be time to call your bank or financial institution that issued your card. Perhaps Apple Pay did not work on your iPhone 13 because your card is declined because of various reasons including the following:
- Your card may have expired.
- Your card does not have sufficient funds for the transaction.
- Your card payment is past due.
- Your card has been flagged for fraud and thus your account was blocked by your bank.
Simply call your card issuer and find out the reason.
13. Contact Apple customer support
If none of those troubleshooting steps solved the iPhone 13 Apple Pay problem, you should contact Apple Support. It’s possible that you have a hardware problem for example, the NFC chip used to communicate with the point of sale terminal might not be working. This isn’t something you can easily test or troubleshoot on your own, so contact Apple’s customer support team so that they can scan for hardware defects. They’ll likely check your NFC chip. However, hopefully one of the troubleshooting tips mentioned above gets Apple Pay properly running again on your iPhone.
Regardless of the outcome, keep these tips in mind moving forward. We suggest bookmarking this page for easy access if Apple Pay malfunctions again.