Troubleshooting Guide: Why You Can’T Connect To Apple Pay And How To Fix It

Having issues connecting your iPhone or Apple Watch to Apple Pay? You’re not alone. Many users have reported problems setting up and using Apple Pay to make contactless payments in stores.

If you’re short on time, here’s a quick answer to your question: The most common reasons you can’t connect to Apple Pay are an incompatible device, missing device requirements like Touch ID or Face ID, software bugs, or issues with your bank or credit cards.

To fix it, make sure your device meets the requirements, update to the latest iOS version, check for app crashes or bugs, and contact your bank or card issuer for help enabling Apple Pay on your accounts.

In this comprehensive guide, we’ll cover all the troubleshooting steps to get Apple Pay working properly again. You’ll learn how to check device compatibility, software updates, app issues, and card activation so you can finally use Apple Pay as intended.

Check Device Compatibility for Apple Pay

Before troubleshooting the connection issue with Apple Pay, it is important to ensure that your device is compatible with this payment service. Apple Pay works on specific iPhone, Apple Watch, iPad, and Mac models. It is advisable to check if your device falls into the compatible category.

Apple Pay works on specific iPhone, Apple Watch, iPad, and Mac models

Apple Pay is supported on various iPhone models, including iPhone SE, iPhone 6 and later, and iPhone SE (2nd generation). For Apple Watch, it is compatible with Apple Watch Series 3 or later. iPad models that support Apple Pay include iPad Pro, iPad (5th generation or later), iPad Air 2, and iPad mini 3 or later.

Mac models with Touch ID or a Secure Enclave also support Apple Pay.

If you are unsure about your device model or want to check if it supports Apple Pay, you can visit the official Apple website for a complete list of compatible devices.

Make sure your device supports NFC payments

Apple Pay relies on near-field communication (NFC) technology to enable contactless payments. Therefore, it is essential to ensure that your device supports NFC payments. Most newer iPhone models, Apple Watches, and iPads are equipped with NFC capabilities.

To check if your device has NFC functionality, go to the settings and look for the NFC option. If it is available, you can proceed with troubleshooting the connection issue. However, if your device does not have NFC capabilities, unfortunately, you won’t be able to connect to Apple Pay.

Some countries have limited Apple Pay availability

While Apple Pay is available in many countries, it is important to note that its availability may be limited in some regions. Certain countries may have specific regulations or agreements with Apple that affect the availability of Apple Pay.

If you are experiencing difficulties connecting to Apple Pay and you are located in a country where Apple Pay might have limited availability, it is recommended to check the official Apple website or contact Apple support for more information regarding the availability of Apple Pay in your region.

Update Device Software to Latest iOS Version

One of the common reasons why you may be unable to connect to Apple Pay is due to software bugs. These bugs can prevent the smooth functioning of Apple Pay, causing connectivity issues. To resolve this, it is recommended to update your device’s software to the latest version of iOS or watchOS.

Software bugs can prevent Apple Pay from working

Software bugs can affect various functionalities of your device, including Apple Pay. These bugs can interfere with the communication between your device and the Apple Pay service, resulting in connection issues.

By updating your device’s software, you can ensure that any known bugs or glitches related to Apple Pay are fixed, allowing for a seamless experience.

Update to the latest iOS/watchOS for bug fixes

Updating your device’s software to the latest iOS or watchOS version is crucial for resolving any known software bugs that may be causing issues with Apple Pay. Apple regularly releases updates that include bug fixes and improvements to enhance the performance of their devices and services.

To update your device, go to the Settings app, select “General,” and then choose “Software Update.” If an update is available, follow the on-screen instructions to install it.

Restart device after updating for changes to take effect

After updating your device’s software, it is important to restart your device to ensure that the changes take effect. Restarting your device can help clear any temporary files or cache that might be causing conflicts with Apple Pay.

Simply press and hold the power button until you see the option to restart, then swipe the slider to the right to power off your device. Once it’s off, press and hold the power button again to turn it back on.

By following these steps and keeping your device’s software up to date, you can troubleshoot connectivity issues with Apple Pay and enjoy the convenience of making secure payments with ease.

Troubleshoot Apple Pay App and Wallet Issues

Having trouble connecting to Apple Pay? Don’t worry, you’re not alone. Glitches in the Wallet app can sometimes disrupt the functioning of Apple Pay. If you’re experiencing issues with making payments or adding cards to your Apple Pay wallet, here are a few troubleshooting steps you can try to resolve the problem.

Glitches in Wallet app can disrupt Apple Pay

The Wallet app is crucial for using Apple Pay, as it stores your payment information and manages your cards. Sometimes, glitches in the app can interfere with the proper functioning of Apple Pay. If you’re having trouble connecting to Apple Pay, it might be worth checking if there are any known issues with the Wallet app.

You can do this by visiting the official Apple Support website or checking Apple’s social media accounts for any updates or announcements regarding app issues.

Check for App Store updates to Wallet and Apple Pay apps

Another step you can take to troubleshoot Apple Pay issues is to check for updates to the Wallet and Apple Pay apps in the App Store. Developers often release updates to address bugs and improve the overall performance of their apps.

By keeping your apps updated, you can ensure that you have the latest version with all the necessary fixes. Simply open the App Store, go to the “Updates” tab, and check if there are any available updates for the Wallet and Apple Pay apps.

Force quit and re-open Wallet app if crashed

If your Wallet app has crashed or frozen, it could be causing connectivity issues with Apple Pay. In such cases, force quitting the app and reopening it can often resolve the problem. On iPhone X or later models, swipe up from the bottom of the screen and hold in the middle to access the app switcher.

On older iPhone models, double-click the home button to bring up the app switcher. Then, swipe left or right to locate the Wallet app and swipe it up or off the screen to force quit. Finally, reopen the Wallet app and check if the connection to Apple Pay has been restored.

Delete and re-add cards if Apple Pay crashes or won’t load

If Apple Pay continues to have issues even after trying the previous troubleshooting steps, it might be necessary to delete and re-add your cards to the Wallet app. This can help resolve any underlying issues with the specific cards that are causing the connectivity problem.

To do this, open the Wallet app, tap on the card that is giving you trouble, and look for an option to remove or delete the card. Once you’ve removed the card, you can then add it back to the Wallet app by following the instructions provided by your card issuer.

By following these troubleshooting steps, you should be able to resolve most common issues with connecting to Apple Pay. However, if the problem persists, it may be best to reach out to Apple Support for further assistance.

Remember to always keep your apps updated and regularly check for any known issues or updates from Apple.

Contact Bank and Card Issuer to Activate Apple Pay

If you’re having trouble connecting to Apple Pay, one of the first steps you should take is to contact your bank and card issuer to ensure that your cards are officially supported for Apple Pay. Not all banks and card issuers have adopted this technology, so it’s important to verify their compatibility before troubleshooting further.

Cards must be officially supported for Apple Pay

Before enabling Apple Pay on your device, it’s crucial to confirm that your cards are officially supported by Apple Pay. Apple provides a list of supported banks and card issuers on their website, which you can find here.

If your bank or issuer is not listed, it means that they have not yet integrated with Apple Pay, and you won’t be able to connect your cards.

Call bank to enable contactless payments on card

Even if your bank or card issuer is listed as a supported provider, you may still need to contact them to enable contactless payments on your card. This is because some banks require an additional step to activate Apple Pay functionality on their cards.

Simply call the customer service number provided by your bank and request them to enable contactless payments on your card. They will guide you through the process and help you get set up.

Check card terms for contactless transaction limits

While most cards have contactless payment capabilities, some may have transaction limits for contactless payments. These limits can vary from card to card, so it’s essential to check your card’s terms and conditions.

If you’re having trouble making a payment using Apple Pay, it could be due to exceeding the contactless transaction limit set by your card issuer. In this case, you may need to use the physical card or contact your issuer for further assistance.

Contact issuer if errors activating card in Apple Pay

If you encounter any errors or difficulties while activating your card in Apple Pay, it’s recommended to reach out to your card issuer for support. They will be able to troubleshoot the issue and provide you with the necessary steps to resolve it.

It’s important to have your card details and any error messages handy when contacting them, as this will help expedite the troubleshooting process.


Hopefully with this troubleshooting guide, you’ve got Apple Pay working properly again on your iPhone, Apple Watch or iPad. Just remember to keep device software up-to-date, watch for Apple Pay app crashes or bugs after updates, and contact your bank or card issuer to enable Apple Pay if you can’t add a card.

With a bit of diligence, you should be making payments with Apple Pay in no time. Let us know in the comments if you have any other tips for fixing Apple Pay connection issues!

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