Troubleshooting Apple Pay Invalid Phone Number Errors

Apple Pay is a convenient way to make purchases using your iPhone or Apple Watch. However, you may sometimes run into errors related to an invalid phone number that prevent you from setting up or using Apple Pay properly.

If you’re short on time, here’s a quick answer to your question: The most common reasons for getting an invalid phone number error with Apple Pay are an outdated phone number on your Apple ID account, your carrier not supporting Apple Pay, or your phone number not being eligible for Apple Pay.

In this comprehensive guide, we’ll cover the main causes of the Apple Pay invalid phone number error and walk through the troubleshooting steps to resolve it.

Confirm Your Phone Number is Up To Date on Your Apple ID

When experiencing invalid phone number errors with Apple Pay, it is important to first confirm that your phone number is up to date on your Apple ID. This ensures that Apple Pay can successfully send verification codes and notifications to the correct device.

Here are two simple steps to help you check and update your phone number:

Log in and check your account details

The first step is to log in to your Apple ID account and verify that your phone number is correct. To do this, follow these steps:

  1. Open the Settings app on your iPhone or iPad.
  2. Tap on your name at the top of the screen to access your Apple ID settings.
  3. Scroll down and tap on “Password & Security”.
  4. Under the “Phone Numbers” section, make sure your current phone number is listed and correct.

If your phone number is incorrect or outdated, you will need to update it. Here’s how:

Contact Apple Support to update if needed

If you find that your phone number is incorrect or outdated on your Apple ID, it is recommended to contact Apple Support for assistance in updating it. Apple Support can guide you through the process and ensure that your phone number is associated with your Apple ID correctly.

You can contact Apple Support through various channels, such as:

  • Visiting the Apple Support website at and initiating a chat or requesting a callback.
  • Calling the Apple Support phone number specific to your region.

By reaching out to Apple Support, you can resolve the issue of an invalid phone number on your Apple ID and ensure a smooth experience with Apple Pay.

Verify Your Carrier Supports Apple Pay

Before troubleshooting any issues with Apple Pay, it is important to verify whether your carrier supports this payment method. Apple Pay requires a compatible carrier that allows you to link your credit or debit card to your iPhone.

Here are some steps you can take to ensure your carrier supports Apple Pay:

Check carrier compatibility lists

Start by checking your carrier’s official website or contacting their customer support to see if they explicitly support Apple Pay. Many carriers provide a list of supported payment methods and devices on their website.

Look for any information related to Apple Pay or mobile payments to confirm compatibility.

If your carrier’s website does not provide clear information about Apple Pay compatibility, you can also try searching for user forums or online communities where other users may have discussed their experiences with Apple Pay on the same carrier.

This can give you a better understanding of whether Apple Pay is supported or not.

Consider switching carriers if unsupported

If you find out that your current carrier does not support Apple Pay, you may want to consider switching to a carrier that does. Apple Pay is supported by many major carriers worldwide, so there is a good chance you can find an alternative that meets your needs.

When considering a carrier switch, be sure to research the compatibility of Apple Pay with the new carrier. Check their website or contact customer support to confirm their support for Apple Pay. Additionally, consider other factors such as network coverage, pricing plans, and customer service quality to make an informed decision.

Remember, Apple Pay offers a convenient and secure way to make payments using your iPhone, so it’s worth ensuring that your carrier supports this feature. By verifying carrier compatibility and making any necessary switches, you can enjoy the benefits of Apple Pay hassle-free.

Make Sure Your iPhone Model and iOS Version Are Compatible

When troubleshooting Apple Pay invalid phone number errors, it is important to ensure that your iPhone model and iOS version are compatible with the Apple Pay feature. Apple Pay is available on certain iPhone models and requires a specific iOS version to work properly.

Here are some steps you can take to ensure compatibility:

Refer to Apple’s list of supported devices

Apple maintains a list of supported devices on their website, which you can refer to in order to check if your iPhone model is compatible with Apple Pay. This list is regularly updated and provides detailed information on which iPhone models support Apple Pay.

You can find this list on Apple’s official website.

Update to the latest iOS version if needed

If your iPhone model is compatible with Apple Pay but you are still experiencing invalid phone number errors, it is possible that your iOS version needs to be updated. Apple regularly releases software updates that not only introduce new features but also include bug fixes and improvements.

Updating to the latest iOS version can help resolve compatibility issues and ensure that Apple Pay works smoothly on your device. To update your iOS, go to Settings > General > Software Update on your iPhone and follow the instructions provided.

Contact Your Bank to Confirm Card Eligibility

Not all cards can be added to Apple Pay

When encountering an “Invalid Phone Number” error while trying to add a card to Apple Pay, it is important to note that not all cards are eligible for this service. Certain financial institutions may have restrictions on which cards can be added to Apple Pay.

To determine if your card is eligible, it is recommended to contact your bank directly.

Did you know? According to a survey conducted by, as of 2021, over 70% of credit cards in the United States are compatible with Apple Pay. This means that the majority of consumers have the opportunity to utilize this convenient payment method.

Your bank can check and update card status

If you are experiencing difficulties adding your card to Apple Pay, reaching out to your bank is the next step in troubleshooting the issue. Banks have the ability to check the eligibility and status of your card for Apple Pay.

They can verify if your card is compatible with the service and provide any necessary updates to ensure a smooth and successful integration.

Pro tip: Before contacting your bank, it may be helpful to gather information such as the card details, phone number associated with the account, and any error messages you received during the setup process. This will assist the bank in quickly identifying and resolving the issue.

Troubleshoot Software and Hardware Issues

Force restart your iPhone

If you’re experiencing issues with Apple Pay and receiving invalid phone number errors, a simple solution is to try force restarting your iPhone. This can help resolve any temporary software glitches that may be causing the problem. To force restart your iPhone, follow these steps:

  1. For iPhone 8 or later models: Press and quickly release the volume up button, press and quickly release the volume down button, then press and hold the side button until the Apple logo appears.
  2. For iPhone 7 or iPhone 7 Plus: Press and hold both the volume down button and the side button until the Apple logo appears.
  3. For iPhone 6s and earlier models: Press and hold both the home button and the side button until the Apple logo appears.

After the restart, try using Apple Pay again and see if the invalid phone number error persists.

Check for iOS updates

Outdated software could be causing compatibility issues with Apple Pay. It’s important to regularly check for iOS updates and install them on your iPhone. Apple frequently releases updates to improve performance and fix bugs. Here’s how you can check for updates:

  1. Go to the Settings app on your iPhone.
  2. Scroll down and tap on “General”.
  3. Select “Software Update”.
  4. If an update is available, tap “Download and Install”.

Updating your iOS can help resolve any underlying software issues and potentially fix the invalid phone number error you’re encountering with Apple Pay.

Remove and re-add cards

If the above solutions don’t resolve the invalid phone number error, you can try removing and re-adding your cards to Apple Pay. Sometimes, a glitch in the system can cause the phone number associated with your card to become invalid. Here’s how you can remove and re-add your cards:

  1. Open the Wallet app on your iPhone.
  2. Select the card you’re having issues with.
  3. Tap on the three dots (…) in the top-right corner.
  4. Choose “Remove This Card”.
  5. To re-add the card, tap the “+” sign in the top-right corner of the Wallet app.
  6. Follow the prompts to add your card again.

By removing and re-adding your cards, you’re essentially refreshing the information stored in Apple Pay, which can resolve any inconsistencies causing the invalid phone number error.

Remember, if you continue to experience issues with Apple Pay and invalid phone number errors, it’s always a good idea to reach out to Apple Support or visit their official website for further assistance.


Getting an invalid phone number error when trying to use Apple Pay can be frustrating, but is usually fixable. In most cases, the issue stems from an outdated contact number on your Apple ID account, incompatible device or carrier, or card eligibility problems.

By carefully going through the troubleshooting steps above, you should be able to resolve the error and get Apple Pay working properly again. Don’t hesitate to contact Apple support if you need additional assistance.

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