Can't pay with Apple Pay? Try these solutions — 2022

Nowadays, we are increasingly dispensing with physical cards in favor of mobile payments. Apple Pay is the payment system for iPhone, iPad, Apple Watch and Mac that allows you to make secure purchases online or in stores. But what if you're having trouble with Apple Pay payments? In this article we help you solve them.

Something to keep in mind before any problem

Many of the failures and problems in the iPhone are due to the software and not necessarily to a defective component, although it is clear that if this happens, it will not matter what version of the software you have. In any case, it is always recommended have the iPhone updated to the latest version of iOS available . This will make the services work correctly and if there is a bug with them in previous versions, it is more than likely that it is already fixed in this one. Remember that to check if you have any recent update you must go to Settings> General> Software update, this is where you would find the latest update ready for download and subsequent installation.

If it does not allow you to add the card

If the error you are having is not so much with making payments, but with adding the card to Wallet, one of the main causes is that the card has already been used several times or that, failing that, it is not compatible with Apple Pay. Unfortunately, not all banking entities are attached to this Apple payment system, so not all of them are valid for this purpose. Remember that in Spain compatibility is offered with these entities:



  • Abanca
  • Abanca Financial Services
  • Advanzia Bank
  • American Express
  • put me off
  • Axi Card
  • March Banking
  • Roads Bank
  • Bench Milan
  • Pichincha Bank
  • Sabadell Bank
  • Bank of America
  • Bankia
  • Bankinter
  • Bankintercard
  • BBVA
  • BNC10
  • Bnext
  • bunq
  • Caixa Pollença
  • CaixaBank
  • CaixaBank Consumer Finance
  • CaixaOntinyent
  • Box of Engineers
  • Caja Rural (Visa credit and debit cards)
  • Cajasur
  • Cecabank
  • Cetelem
  • Mail
  • Curve
  • Deutsche Bank
  • Edenred (Ticket Restaurant cards)
  • EML Rewards
  • Euro6000
  • EVO Bank (Visa credit and debit cards)
  • FNAC (CaixaBank Payment & Commerce)
  • Fundsfy
  • Cajamar Group (Visa credit and debit cards)
  • Helloyalty
  • Ibercaja
  • iCard
  • AT
  • Joompay Europe S.A.
  • Kutxabank
  • Labor Box
  • freebank
  • Lydia
  • Monese
  • N26
  • open bench
  • OrangeBank
  • Payhawk
  • Paysera
  • PecunPay
  • Pibank
  • Term
  • Pleo
  • Qonto
  • Rebellion
  • Revolut
  • Santander
  • Santander Consumer Finance
  • Carrefour Financial Services
  • Sodexo
  • SumUp
  • Tendam (Santander Consumer Finance)
  • Twyp
  • Unibox
  • Verse
  • ViaBill
  • Viva Wallet
  • Walletto
  • Wise
  • WiZink
  • Self
  • ZEN.COM

It may be a card or bank problem

The first thing to keep in mind is that the card is failing or the bank has some logistical problem. We must remember that the errors are the same as those that exist when paying with a physical card and that is why no point should be left without taking into account.

Check if you have enough funds

Regardless of whether you are buying online or in a physical establishment, it is possible that there will be a failure in the payment for not having enough money in the account . This is a problem that in the end can also appear when paying with the physical card. Therefore, first of all, we recommend that you check the balance of your checking account to make sure you have enough money to make your purchase. If after checking you see that this is not the problem, we recommend you follow one of the points explained below.

In these situations, the website where you are making the purchase or the physical dataphone throws an error that is normally the cause 190 of card denied. This applies to both debit cards that take money directly from the checking account and credit cards. In the latter, it should be remembered that there is a line of credit pre-established by the bank. This is something that should also always be checked before making the purchase.

Check the card expiration

Even if you have the card digitally inserted in Wallet, in the end it is still an extension of the physical format. Therefore, if that card is expired, it will also be expired for payments through Apple Pay. This is another point to take into account and for which failures can occur when making payments with Apple Pay. In general, Wallet will notify you at all times if it has expired or been cancelled, removing it from the application at that time.

Apple Pay card expiration

It is also important to make sure that the card has not been canceled . Your bank must have your consent or at least inform you if the service is canceled, however it may have happened to you or there may have been an error with your card. Check it through the bank's website or application and/or contact their customer service.

Is the card powered off?

Many entities currently among their online banking features allow you to turn off or deactivate the card. This is ideal, especially if you don't know where it is at the moment, or if you're just a really cautious person. When not using it you will be able to turn it off as if it were a computer. If it is turned off digitally, in no case will it be able to be used in physical establishments or online.

So, one of the most typical errors that can occur on a day-to-day basis is that you go to make a purchase with the card while it is turned off. Obviously, both the physical and virtual POS will throw an error as it cannot connect with your bank. The solution is to digitally access online banking and check if the card is completely in order in terms of operation.

If the problem is with your device

But there may be a case where the card is correct and you have the balance required for the purchase. In this situation, it is possible that your physical device that houses the card in Apple Pay really has the problem. We analyze it below.

Restart your iPhone, iPad, Mac, or Apple Watch

The most classic solution of computer scientists in the event of a computer failure is to ask them to turn it off and on. This has its certain logic when it comes to eliminating background processes that may be affecting the performance of the computer. Therefore, at this point we are going to advise you to restart the device through which you are trying to make the payment. If there is any temporary software glitch, it will be fixed this way.

Add the card back to Apple Pay

If after restarting your computer you are still experiencing problems, you could try delete card from Apple Pay and add it back. To do this you must go to the Wallet app, select the card, click on the ellipses at the top and click on Delete this card.

Wallet Card Apple Pay Bugs

To add it again, later you will have to continue in the same application, then clicking on the '+' button to add all the data. If at this point you experience any problems, you should contact your bank, since there are some entities that for security reasons could establish a limit number of times that cards can be added.

A hardware failure on the device

The NFC it is the system through which these payments are made on the iPhone, iPad and Apple Watch. It's not a component that breaks easily or is prone to defects, but it's not completely disposable either. If you suspect that this may be failing and you want Apple professionals to detect it, you can contact the company's technical support through its website. You can even make an appointment at an Apple Store or Authorized Service Center to physically bring the device in and have it checked out.

Contact the bank to clear up doubts

You will have seen that in many of the previous points we urge you to contact your bank or financial institution that has issued your card. In the end, they are the ones that can provide you with more information about card failures. The form of contact you choose is indifferent in the end. You can search the entity's website for the contact channels they have, although we recommend that if possible you try to establish it by phone call to guarantee a closer contact through which they can solve your problems.

On many occasions, the problem can arise in which the banking service in general is down due to a computer failure. This is something unusual but it can end up happening, being your bank manager the only one who can confirm the waiting time for you to make purchases with the card again.