How to fix Apple Pay Not Working on iPhone 15 Pro issue

This article explains what you can do when Apple Pay is not working on iPhone 15 Pro.

KEY TAKEAWAYS

• If Apple Pay is not working on your iPhone 15 Pro, make sure the terminal works with Apple Pay.
• If it does, try quitting the Wallet app and reopening it.
• Other tips include removing and re-adding your credit card in the Wallet app and signing out and back into your Apple ID.

Note: information in this article apply to iPhone 15, iPhone 15 Plus, iPhone 15 Pro and iPhone 15 Pro Max.

Apple Pay allows you to conveniently pay on iPhones, iPads, Macs and Apple Watches, by adding your preferred payment method – including credit and debit cards – to your device.

Once you’re set up with Apple Pay, you’ll just need to hold your mobile device near any payment terminal that can accept contactless payments to use Apple Pay in stores, or select Apple Pay as the payment method when shopping online. You can also send money with Apple Pay and Apple Cash to other Apple users, or request money with Apple Pay – when splitting a bill, for example.

Sometimes, Apple Pay doesn’t quite work as expected. It could be a really bad and embarrassing experience for you to find out that Apple Pay isn’t working on your iPhone 15 Pro when you’re at the checkout and especially if you’re the first in a long line of customers.

Sometimes you may get error messages like “Could not connect to Apple Pay” or “An error occurred…” and therefore, payment won’t complete. Sometimes when you attempt to pay with Apple Pay just like you did before to pay, nothing happens this time. The following tips will address these problems.

What to do when Apple Pay is not working on iPhone 15 Pro

Try the following fixes if Apple Pay is not working on your iPhone 15 Pro. After each troubleshooting step, see if you can use Apple Pay.

1. Make sure the point-of-sale terminal works with Apple Pay

First, it’s worth noting that not all point-of-sale terminals work with Apple Pay.

If you try bringing your iPhone near a terminal and nothing happens, ask the person behind the counter if it supports Apple Pay. They’ve likely been asked many times already and can tell you not just whether it works with Apple Pay, but where the best place to hold your phone is and if another terminal will give you better results.

2. Ensure Wallet app can be used when iPhone is locked

If your iPhone 15 Pro Apple Pay is not working, make sure that the Wallet app setting is allowed to access when your device is locked. Here is how you can adjust this setting:

• On your iPhone 15 Pro, go to Settings > Face ID & Passcode > enter your passcode.
• Scroll down and find the “allow access when locked” section and make sure that Wallet is enabled.

3. Make sure that the Wallet app is allowed to use cellular data.

If Wallet is not allowed to use cellular data, the app will only use Wi-Fi and thus Apple Pay may not work outside of the Wi-Fi range. Therefore, make sure that the wallet app is allowed to use cellular data. Here is how you can check this:

• On your iPhone 15 Pro, go to Settings, then select Cellular.
• Scroll down to find the “cellular data” section. Scroll down further to find Wallet and make sure that it is enabled.

4. Quit the Wallet app and then reopen it

If you’re still unable to use Apple pay on your iPhone 15 Pro, you should try force quiti the Wallet app and reopening it. Here is how:

1. Go to the Home screen and swipe up from the bottom, this will launch the app switcher.
2. Find the Wallet app (you may swipe left or right to find it).
3. Swipe up on the Wallet app icon to close it.

5. Update your phone

If none of those troubleshooting steps solved the problem, you should try updating your phone to the latest version of iOS. Here is how you can update:

1. Go to Settings, then tap General.
2. Tap Software Update. If an update is available, follow the onscreen instructions to update your iPhone.

6. Restart your iPhone

If Apple pay is still not working on your iPhone 15 Pro, try restarting your phone. This resets your phone’s memory and clears temporary caches, which can solve temporary glitches with Apple Pay and other system software. Here is how:

1. Press and hold the side and volume up (or down) buttons together until you see the power off slider.
2. Swipe the slider to the right and wait for your iPhone to turn off.
3. To turn your iPhone back on, press and hold the side button until you see the Apple logo.

7. Are Apple’s servers down?

Apple Pay depends on an online service to function, and if Apple Pay is offline, you won’t be able to complete the transaction. However, the outage lasts for a short period of time. To check if Apple Pay servers are down or not, visit the Apple system status website and see if Apple Pay & Wallet has a green dot. If it doesn’t, simply wait for Apple to fix the issue. Meanwhile, you can make a purchase the old fashioned way.

8. Make sure that your Region setting is set correctly on your iPhone

Here is how you can check this:

1. Go to Settings, then tap on General.
   Tap Language & Region, then select Region.

9. Remove your credit or debit card and re-add

If nothing works, try removing and re-adding the cards in your Apple Wallet. Here’s how:

1. Open the Wallet app, then tap the card that you want to remove.
2. Tap the More button, then tap Card Details.
3. Scroll down and tap Remove This Card.

Now re-add your card.

10. Sign out and back into your Apple ID

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 remove and re-add your credit card, you can sign out of your Apple ID and sign back in again. Here’s how:

1. Open the Settings app, then tap your name on top of the screen.
2. Scroll all the way to the bottom and tap Sign Out. You’ll need to confirm that you want to do this.
3. Restart your phone.
4. Return to the Settings app and sign back into your Apple ID.

11. Contact your card issuer

Check-in with your bank or financial institution that issued your card. Perhaps Apple Pay isn’t working on your iPhone 15 Pro because your card is being declined because of various reasons such as:

• Your card may have expired.
• Your card does not have enough funds available 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 contact your card issuer and find out the reason.

12. Contact Apple Customer Support

If you followed these steps and Apple Pay is still not working on your iPhone 15 Pro, you may want to contact Apple Support or the Genius Bar for further help. . It’s possible that your iPhone 15 Pro has 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 reach out to Apple support for assistance.