Pay. Everyone has already learned how to set up and add cards, however, on some devices the contactless payment system does not work at all or only works every once in a while. Here is one of your messages: Good afternoon. My iPhone 6 periodically refuses to pay for purchases. Apple Pay. I tried to find a pattern depending on the specific terminal, but even at the same point there were both successful and unsuccessful payments. What could be the problem? Very often the problem is caused by a mechanical failure, but let's talk about everything in order. Restoring the firmware Before getting inside the smartphone, let's make sure that there are no problems at the software level. To do this we do the following:

1. Create a backup copy of your data in iTunes or iCloud. 2. Restore the firmware via iTunes on your computer. 3. We do not download the backup to the device, but set it up as new. 4. Add the card to Apple Pay and try to pay. When paying, remove all covers and cases (even original ones) from your iPhone. Try applying the smartphone to the terminal not only with the back cover, but also with the ends of the device. If you are unlucky Most likely, you will be unlucky and restoring the firmware will not work. In this case, you need to carry the iPhone to service center. When the device is under warranty, there is nothing to worry about, but if the device was purchased second-hand without documents or the warranty period has expired, you can end up with “expensive repairs.” Depending on the impudence of the technician, they can charge from one and a half to five thousand rubles to fix the problem, and this is not the limit. Some “serious” service centers may even refuse such repairs. Before giving your favorite gadget into the wrong hands, let's figure out what the problem is. It's all about this little thing Apple works Pay on iPhone uses an NFC chip. This module rarely fails. Most often, the contact between it and the smartphone’s antenna simply disappears. The bracket, which is responsible for signal transmission, is located in the upper right corner of the case. It is a small jumper. This jumper often has poor contact with the antenna housing and because of this, the payment service refuses to work. It is enough to tighten a couple of screws more tightly and the problem is solved. Sometimes clogged dust or debris prevents good contact; you need to completely unscrew the jumper, clean the contact, blow it out and install the part in place. In some cases, a drop of glue or plastic that was carelessly left when assembling the device interferes with adhesion.

Sometimes users who open their smartphone are in for a slight shock - the required spare part is not there at all, as are the two screws that should ensure reliable contact. You can find the part in service centers and workshops that buy iPhones for use. You can order the jumper on AliExpress. There is nothing super-technological in it; it is not necessary to chase the original. How did this happen? The mount could have become loose due to a strong shake or fall of the gadget. If it is not there at all, this is a sure sign that the iPhone has been rebuilt. It could be sold under the guise of a restored one or even a new one. This often happens at unauthorized points of sale, when buying second-hand, or when ordering an iPhone abroad. Perhaps the device was repaired and they either deliberately or accidentally forgot to screw on a “useless” part. In any case, no luck, all that remains is to fix the problem so that everything works. How to fix it

You need to go to the nearest service center, tell the technician everything inside and out and ask him to tighten the necessary screws in your presence. Taking more than 500 rubles for such a procedure is robbery, bargain. A handy technician will get everything done in 15 minutes and will be happy with two or three hundred rubles as a thank you. You can try to carry out the repair yourself. To do this you will need a set of tools and instructions from the guys from iFixit. Attention! You do all actions with your device at your own peril and risk; the site administration is not responsible for possible consequences. It will be enough to complete the first 9 steps, and then tighten the screws from step 33. There is no need to disconnect the display and other modules. This is how you solve a common problem with Apple Pay not working, for which the service center will ask for a lot of money to fix it.

Apple Pay - modern way payment. A person no longer needs to have a bank card with him, because now it can be added to his phone. No technology is perfect, and Apple Pay is no exception.

Does Apple Pay work in Russia?

In terms of the number of non-cash payments using Apple Pay, our country is considered a leader throughout the world. All Visa and MasterCard terminals have built-in near-field NFC modules. Thanks to this, Apple Pay works in Russia much better than in the USA. In Russia Apple service Pay was launched in 2016. The service is supported only by iPhone SE equipped with an NFC chip (iPhone 6 and older).

How Apple Pay works on iPhone

Apple Pay transfers data using the principle of a near-contact network. It only works at short distances. Before sending a payment, you must be authenticated via a password, Touch ID or Face ID.

After confirming the transaction, the device transmits a one-time code and a unique number to the terminal account. They are used to check the connection between your device and the payment system.

Cards that work with Apple Pay

You can connect any Visa and MasterCard card from any bank to Apple Pay.

  • Launch the Wallet app.
  • Next you need to enter your card details. This can be done manually or scanned with your phone camera.
  • Enter the password for your card.
  • After confirming the card, click "Next".

This is how easy it is to add a card by linking it to your iTunes account.

Apple Pay not working?

Let's look at the main reasons why Apple Pay doesn't work. Please note that Apple Pay is only supported on iPhone SEs starting with iPhone 6.

IOS crash

Apple has become famous for its reliable operating system. Over time, more and more complaints appear. The system has its own flaws, and if they are discovered, iPhone owners go to service centers. The devil is in the details. If apple pay does not work on an iPhone, the cause is often a crooked update via wifi or an old, worn-out battery.

How to fix:

  • Reset network settings. In the settings, select the following: General - Reset - Reset network settings.
  • Force reboot phone. In this way, you can clear the device’s memory of garbage. Operating memory tends to run out. Then the phone starts to freeze. The process is accompanied by lags and failures.

The NFC module or antenna is faulty

Most often, owners of iPhone 7, 7 plus face this problem. Other models that support Apple Pay are no exception. The terminal and phone exchange data. If the signal is weak or absent, problems may occur.

Why does this happen:

  • If the phone was restored, it is possible that you simply do not have an antenna. If the phone was restored not by an official service, but by a Chinese workshop, it might not be installed at all.
  • Replacing the case - if the phone's case has been replaced, the antenna may have been removed or damaged.
  • The contacts have oxidized due to moisture.

Apple Pay stopped working on iPhone

The main reasons why Apple Pay suddenly stopped working or malfunctioned for most Apple service clients.

  • Oxidized contacts
  • The phone fell
  • Antenna missing
  • IOS malfunctions

Apple Pay works without internet

The system works even without Internet access. The terminal will receive all data from the iPhone. The program will generate a key created by the bank, and the operation will be carried out.

Why Apple Pay stopped working: external factors

Besides software, we will consider other factors that may cause contactless payments to malfunction. These include:

  • Malfunction of the card, terminal or bank. Try paying for something in another store. If problems arise again, call the bank and ask if they are currently having problems with payments.
  • Case. Of course, a silicone or plastic pad will not interfere with the operation of the payment system. If you use a super protected armored case purchased from Chinese online store, try to remove it and repeat the operation.

It would seem like little things, but you should take into account all the factors why apple pay does not work.

Lack of access to convenient and familiar services always causes concern and significantly reduces the quality of life. For example, if Apple Pay suddenly stopped working, a modern person could be left in the middle of the city literally without a livelihood. We have long lost the habit of carrying large quantities of cash with us, and after digitization we prefer to store plastic cards in a safe place, rather than in a pocket in a purse. How to understand the causes of the failure and restore the functionality of your gadget? Let's try to figure it out.

The most common causes of failures

The reasons why the Apple Pay service may refuse to work can be roughly divided into three categories:

  • external;
  • software;
  • hardware.

Factors belonging to the first two groups can be checked and eliminated independently. To test hardware problems, we recommend contacting a service that repairs Apple devices. But this, of course, is the most extreme scenario. First, let's discuss what you can do on your own.

Checking external factors

This group of reasons causing payment service failures includes the following factors:

  • payment terminal breakdown;
  • incompatibility of the terminal with the Apple Pay service;
  • failure of the bank that issued the card;
  • The case on the gadget is too tight.

When Apple Pay does not see the terminal, you should first make sure that the payment device at the point of sale is adapted to accept contactless payments. If this is not your first time making purchases at a store where an error occurred, you should try removing the case from the gadget and trying to pay again. It also sometimes helps to bring the iPhone to the terminal not directly with the back cover, but with the side. Well, the last try - select another payment card and try to repeat the transaction. If, as a result of any of the above actions, you are able to pay your invoice, you will immediately understand where the problem lies.

Advice: it is also worth checking the functionality of the service in another store, on another terminal. It would also be a good idea to call the technical support of the bank that issued the card on which the failure occurred and check if everything is in order.

Software check

All the measures described in the previous paragraph can help in case of a one-time payment service failure. But if Apple Pay does not work all the time or works only once in a while, more serious action will be required. The cause of regular problems may be hidden in the gadget's operating system. To catch it and eliminate it, we recommend that you thoroughly check and update all settings.

Important! After completing each item from the list below, you should check the functionality of Apple Pay. It is advisable to do this in at least two or three retail outlets. If the failure continues, move on to the next item in the list.

So, the order of necessary actions will be as follows:

If the above measures do not have an effect, as a last resort you can try updating the device firmware.

How to reinstall the firmware

Before carrying out operations with the firmware, save all data from the iPhone in iTunes or iCould. Next, switch the gadget to DFU mode and download new version firmware via iTunes by connecting the device to the computer. After the update, configure the gadget again. You should not download a backup; perhaps this is where the problem lies.

After completing all operations, check the functionality of the payment service in the nearest terminal. If the service cannot be restored, we recommend contacting specialists technical support Apple. This can be done by calling 8-800-555-67-34 or creating a request on the company’s official website.

Important! Before calling specialists, check serial number your gadget.

Hardware problems

Sometimes the answer to the question of why Apple Pay doesn’t work lies in the technical condition of the iPhone itself. One small part is responsible for communication with contactless payment terminals - the NFC chip. As practice shows, this part itself fails extremely rarely. Usually the cause of failures is a violation of the contact between the chip and the gadget’s antenna. This may happen for the following reasons:

  • the screws that hold the chip have become loose (for example, as a result of the phone falling);
  • the contact surface is dirty and has lost its conductive properties.

Important! If, while updating the firmware on your gadget, you received error message No. 56, this clearly indicates problems with the contactless payment chip. But Apple devices do not always display such a message, so even its absence does not mean that the chip is working as it should.

The procedure for restoring contact between the NFC chip and the antenna is, in principle, not difficult. All you need is:


Important! If a drop of glue or plastic is found under the contact surface of the chip, left as a result of careless assembly of the device, it should be removed.

It is advisable to clean the contact surface with technical alcohol or vodka. You should not wipe the chip with cologne or other perfumes - the essential oils included in the product will leave a layer on the surface of the part that can disrupt its operation. Also, do not be too zealous in tightening the grounding screws - you can damage the board. In principle, if you have some experience in repairing electronics and suitable tools, you can restore the operation of the device on your own.

Important! If your gadget is under warranty, or you have never repaired digital devices, we recommend that you do not disassemble the phone yourself. and contact a specialized Apple service.

No NFC chip

All the measures described above make sense if the payment service previously worked on your device, and after a while it began to fail. If you have just installed and configured Apple Pay, you are sure that the model of your gadget is suitable for its use, and all binding operations have been performed correctly, but the service does not work - what to do?

Here we recommend that you immediately contact an Apple service center. There are often cases when iPhones, even the latest generations, simply do not have the chip responsible for contactless payment. This happens when purchasing a gadget secondhand or through unofficial sites. The absence of a chip is evidence that the smartphone was reassembled or restored after a breakdown. The only thing that will help here is purchasing the missing part (on Aliexpress or at phone dismantling points) and installing it in the right place.

Now, to go shopping, you no longer need to take paper money or a credit card with you; all you need is an iPhone or Apple Watch. Since 2014, owners of Apple devices have acquired useful function Apple Pay, which allows you to pay your invoice using your smartphone or watch.

Unfortunately, some users are complaining that Apple Pay isn't working for them. In this case, the previously linked visa or mastercard will be completely useless. Let's learn more about the function itself and its possible malfunctions.

  1. You purchased a refurbished copy. In 90% of cases, the NFC chip is removed or damaged during recovery.
  2. There is not enough money in the account.
  3. The credit card PIN code has been changed.
  4. Module or antenna malfunction.
  5. iOS or watchOS glitches.
  6. Problems with the terminal.
  7. The card was not added correctly.
  8. Make sure your iPhone is older than model 5. Support for contactless payment began only with model 6.

Self-diagnosis

To diagnose yourself, take the test. The virtual assistant will identify the problem and tell you what to do.

Is the iPhone definitely older than model 5?

Correct! Wrong!

Models up to 5S do not support contactless payment
If the model is older than 5, click the “Continue diagnostics” button.

Continue >>

Is there money in the account?

Correct! Wrong!

Check the availability of money in your accounts, in 80% of cases this is the problem.

Continue >>

Remember, maybe change the PIN code of the card?

Correct! Wrong!

If yes, only relinking the card in the Wallet settings will help.
If it doesn’t help, click the “Continue diagnostics” button.

Continue >>

Are the time and date on your phone set correctly?

Correct! Wrong!

Set the current time and date.
If everything is set correctly, click the “Continue diagnostics” button.

Continue >>

Have you checked the region in the settings?

Correct! Wrong!

Sometimes the location region is set incorrectly and problems begin. The setting is in the same place as the time.
If the region is correct, click the “Continue diagnostics” button.

Continue >>

Have you tried updating iOS?

Correct! Wrong!

Sometimes this helps solve software errors.
If you have updated, click the “Continue diagnostics” button.

Continue >>

Has the phone been dropped or repaired?

Correct! Wrong!

If dropped or repaired, the NFC chip or module antenna may be damaged.
If it didn’t crash, click the “Continue diagnostics” button.

Continue >>

Apple pay doesn't work

Play Again!

How to fix

  1. Reboot your device.
  2. Force reset your network settings.
  3. The time or date is set incorrectly.
  4. Change the region to any other region other than your country of residence.
  5. Remove and re-link the card.
  6. Malicious or antivirus programs are installed on the system.
  7. Other software glitches.
  8. The NFC chip has failed or the antenna of the module has fallen off - only repair by service.
  9. Reinstall or update iOS.

The technicians jokingly answer that it will be enough to replace the iPhone or Apple Watch. Jokes aside, but if Apple Pay doesn’t work for you, it’s better to contact a service center. If the NFC antenna is to blame, then before you know it, it will be replaced. But don’t worry about problems with the module; the repaired chip works at the level of the factory analogue. Very rarely the range suffers, dropping to 5-3 cm.

Even as an owner iPhone any models or smart watch, it is impossible to insure against unexpected software failure. Well, due to a defect in the software, the main functions of the NFS suffer, which begin to incorrectly transmit information from the device.

How to use Apple Pay

Let's start with the fact that Apple Pay appeared on the iPhone relatively recently. Therefore, you should not be surprised by owners of smartphones or watches from the Apple brand who are just getting acquainted with the new payment technology.

It is supported on all devices equipped with NFC, such as the iPhone 6S or the Watch series. But it happens that payment does not always behave correctly. This can be attributed to problems with contactless payment being triggered due to a case or a malfunction of the terminal itself.

By the way, compared to credit cards, where you need to enter your PIN to confirm payment, on the phone this function is carried out using touch id. But the payment will only go through if your fingerprints are entered into the device’s memory.

However, before you go shopping, you should link your card. To do this, use the wallet program. Here, for your convenience, you can confirm the credit card (you will receive a code via SMS), which you have already paid for in iTunes.

Another undoubted advantage of the application is convenient management, which allows you to delete all cards from Wallet at any time. Just remember, shop when iPhone help this is really cool!

What is NFC and why is it needed?

A possible reason why apple pay stopped working could be a malfunction of the NFC chip. However, before looking at troubleshooting methods, let's figure out why it is needed.

First of all, this is a communication module. It is used to read or transmit data. It may appear as an indicator key, a travel card, or a credit card. Now even subways and buses have equipment installed to work with this technology.

Data transmission occurs via an NFS antenna. And to confirm consent to exchange data on the latest models of gadgets, a fingerprint is enough. After which, a connection to the terminal occurs. This technology is also available on iPhone SE.

Therefore, before purchasing an “i-device”, you need to check the functionality of the NFC, because if it is damaged, difficulties may arise when connecting to the payment terminal.

It is necessary to remind you that iPhone models up to and including 5S do not work with the contactless system. For owners of outdated equipment, it is possible to connect an Apple Watch equipped with an NFS chip.

Crashes and problems in iOS

User reviews are heard from everywhere who claim that iOS is no longer as stable as it used to be. And this is true, because there is an overabundance additional functions lead to intermittent software disruptions, which could cause the apple pay setup to fail.

So, here are a few ways to solve the problem if paypass stops functioning properly:

  • The device needs to be rebooted.
  • Force a network settings reset (Settings - General - Reset - Reset network settings).
  • If you notice a glitch when paying, go to the Wallet application, delete and re-link the card.
  • When you touch your phone to the terminal and it doesn’t react at all, you should try changing the region of your smartphone to the one where contactless payment works. For example, by selecting the country Great Britain (Settings - General - Language and region).
  • IN as a last resort, if the above methods do not produce results, reinstall iOS, or at least update the firmware. Then, check contactless payments without resorting to recovery backup copy phone settings.

You can find out whether the Apple Pay function is working only after purchase. In this case, the device writes ready as soon as the money is debited from your account.

The NFC chip has failed

If you discover that apple pay is not working, you should think about the health of the NFC chip. In most cases, the module itself always remains in good working order, which cannot be said about periodic problems with the antenna contact of the smartphone. As a result, we have problems with performance when making any purchase.

The bracket itself, responsible for signal transmission, is located in the upper corner of the case. Another reason why a weak signal may come from NFC is dust or debris that has gotten inside the device. To solve this problem, it will be enough to disassemble the phone, remove everything unnecessary and tighten the bracket bolts, thereby eliminating the “undercontact”.

Let's say the chip is working, the garbage has been removed, but the gadget continues to show payment completion errors. Then, once again, pay attention to where the NFC module is located in the iPhone or Apple Watch; perhaps the case is preventing it from making a payment. After all, it can directly influence the operation of the module. So-called “bumpers” and aluminum cases have a particularly negative effect on signal conductivity.

Conclusion

So, as we found out, if Apple Pay stops working on your phone or watch, the problems may come from the software or hardware. In some cases, payment does not always work due to the presence of a thick case on the phone.

It must be remembered that the technology began to be supported only from the 6th iPhone models, earlier 5, 5S, 4S, 4 do not support contactless payment for goods and services.

Another option why the payment does not go through could be the terminal itself. And also, you should not discount the possibility that the Apple Pay settings are to blame, in particular - the credit card was not added correctly or the Pin code was changed.

Video

Adding a card to the Apple Pay payment service does not require serious knowledge and skills. Usually the algorithm of actions is intuitive, and the procedure does not cause any problems. All the more unexpected are the situations when an error occurred when setting up Apple Pay. What to do if you cannot digitize a plastic card and link it to the system? We offer step-by-step instructions.

Checking the gadget

Instructions on many sites advise that when a failure occurs, the first thing to do is to make sure that your gadget supports working with the payment service. We believe this check is unnecessary. If the version of your iPhone or iWatch was not suitable for working with Apple Pay, you simply would not be able to start the process of adding a card - there would be no corresponding button in Wallet.

But what is worth checking if a failure occurs is the version operating system installed on your gadget. If it is out of date, we recommend downloading the latest release and then rebooting your device.

Important! If Apple Pay setup fails when you try to add a card to your watch or MacBook, check whether your iPhone is synced with these devices. If there is no synchronization, it will not be possible to add a payment instrument.

In addition, you should make sure that at the time of binding on the device:

  • fingerprint sensor connected;
  • a fingerprint has been installed to verify the user’s identity;
  • Logged in to iCould.

If one of these conditions is not met, it will be impossible to use the payment service in principle.

Checking the card

If everything is in order with the gadget, but you cannot link a payment instrument to it, you should check the card itself. It must meet the following conditions:

  • belong to the Visa or MasterCard systems;
  • be issued by a bank that cooperates with Apple Pay;
  • supported by the service.

To date, more than 30 Russian banks and payment systems cooperate with Apple Pay. But it should be taken into account that not all cards of the system’s partner banks can work with it. Even if the card belongs to one of the two compatible with Apple service payment system, this does not mean that it can be digitized. The list of cards for working with Apple Pay is determined individually in each bank. So if the add fails apple cards Pay, we recommend that you go to your bank’s website and make sure that the payment instrument is suitable for working with this system.

Important! You can only add bank cards to Apple Pay. Transport cards, for example, the well-known Troika, cannot be digitized and used in the service.

Error connecting to server

You do not need internet to make payments using Apple Pay. But during setup it is necessary. Check:

  • is your gadget connected to the Internet?
  • Is the connection stable, is the speed sufficient?
  • Whether the Apple ID entered on the device is valid.

The last circumstance can be checked using the official Apple website.

In addition, one cannot discount such a circumstance as a possible overload of the company’s servers or problems with them. Try waiting a while and trying to bind again.

Other reasons

To add a card to a payment service, many banks require confirmation of this operation using a one-time SMS password. These include, for example:

  • Sberbank;
  • Alfa Bank;
  • Promsvyazbank and some others.

If your phone is not connected to the SMS notification service (Mobile Banking or its equivalent), the system will not be able to send you a password. Accordingly, linking the card will be impossible.

Important! We should not forget that there are also failures in the operation of SMS notification services, due to which the one-time password may not arrive on time. Check whether the connected service is working, for example, by requesting the card balance via SMS.

By the way, about balance. One of the fairly common reasons why a card is not added to Apple Pay is a simple lack of funds in the account. To successfully link, you must have at least 1 ruble on the card. If you have just received a card and have not yet managed to top up your account, you will not be able to digitize it and enter it into the system.

When nothing helps

If, despite all the steps listed above and the checks carried out, you cannot set up Apple Pay, we recommend contacting the technical service Apple support. Residents of Russia can contact the company’s specialists by calling the 24-hour toll-free number 8-800-555-67-34.

Important! Before calling support, be sure to find the serial number of the gadget that crashed.

If you have the Internet at hand, you can go to the official Apple website and contact a support representative via online chat. In some cases, this is more convenient than a telephone conversation, since it allows you to immediately send a screenshot of the error to a specialist.


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