Apple Pay not working after IOS 13 update

I have same problem on SE updated to iOS 13 on Friday, which had worked fine up until after the update.

Locked screen showed unlock key pad when placed close to Point of Sale (POS) device, then went to normal Home Screen when unlocked. Never went to Apple Pay screen.

Called Apple Support. After testing online, determined NFC chip functioning correctly.

Found Settings>Touch ID & Passcode>"Allow Access When Closed" defaulted to OFF. Reset to ON.

Unfortunately, cannot test until I access a POS device later in week.

Have similar problem with 6 and 6 Plus when updated to 12.4 in last few months. Thought old phones were dying. Apple Support tested both phones online, determined NFC chip functioning correctly. Will continue trying to recover those with resets and possible 8 hour round trip to Apple Store.

This is turning out to be a global issue where more no. of users are impacted. Hopefully Apple provides a fix in the next update. This is not working yet despite the provided troubleshooting techniques as mentioned in the thread:

1. Normal Phone restart
2. Device hard reset
3. Set it up as new iPhone after the device backup
4. Re-adding the card

Hi All, so i was able to fix my phone myself , check this link out https://www.ifixit.com/Answers/View/445929/iPhone+SE+NFC+antenna+not+working+after+housing+replacement#answer541705

I recently got my phone repaired from Apple and looks like they damaged this screw while replacing my battery.

I reached out Apple to help and they were unable to help me and asked me to buy a new phone, fortunately i read this article and tried to check if this was the issue and to my amazement yes the screw and the whole unit was never screwed in properly so the ApplePay was not working since last few months. I have fixed my phone and left apple and the Authorized service center a feedback i hope they take some action

Same on my SE. I got it working yesterday (after a failure) for one transaction by putting the phone into standby and then going back in, and then trying it, but it didn’t seem to work today. It used to just automatically work when the phone was near the payment device with no interaction beyond my fingerprint to okay it. It’s never failed like this before the update.

I used to be able to pay for things while my phone was locked, by placing my phone near the NFC reader then resting my thumb on the home button fingerprint reader. Now, I need to open up “wallet” and tap on my payment card before it will work. Very annoying!

After several attempts to pay today I finally got some clue.

It seems that NFC sensor in iPhones became too sensitive (software/driver bug) with ios13 update. Try to hold your iPhone 6-7cm(2 inches) straight away from the reader (do not push it closer), and Apple Pay works. A bit tricky, but.. Hope it helps.

Check under touch and passcode, enable the wallet under allow access when unlocked.

After update this option got unchecked due to which i was facing this issue. After enabling it again started working.

Allow access when closed has nothing to do with this issue! That’s only for you to be able to double click to open your wallet when your phone is locked (which I think it’s kind of annoying). You don’t need that option to be toggled on. Usually when you hold your phone in close proximity to the reader the NFC triggers and opens the wallet automatically; so no need for double clicking at all.

I think it’s just an iOS 13 problem for now. Hopefully it gets solved with ios13.1 on September 25.

I understand your explanation why “Allow Access...” should not be involved with this problem, but Apple Pay on my SE is now working, and several others responding to this stream have indicated that after turning Wallet to On under “Access...” has solved their problem. I have seen no updates to iOS 13 on my iPhone since Friday, 20 September.

Long experience with any software/logic based devices is that somethings just don’t make sense.

You are absolutely correct! I was mistakenly looking for this under ”Wallet & Apple Pay “ menu. I didn’t realize that “allow access” is also listed under “Touch ID & passcode” menu as well, which is the correct place to look for.

This actually resolved the problem on my I phone 7 plus as well:)

Thank you all for your help!

I found a slight answer. I remember apple create the ‘raise to wake’ feature because Touch ID was too fast. Looks like the timing has gone off again on iOS13 as about 70% of the time a double click will unlock the phone, not access Apple Pay.

The fix - you can always access Apple pay by swiping down from the top of the screen (when unlocked) then double tapping the home button. More reliable than trying 10 times to access it from the lock screen

I found out this morning if I use my thumb to do Apple Pay it will unlock my phone. If I use my finger, it will open up Apple Pay. I think it is registering my thumb print to unlock it, we’re my finger print is not registered to unlock it.

A bit confused by “...my Waller was a blank screen.” Did Wallet open when you put iPhone near a POS (point of sale device) and there was no card showing, or did you open the Wallet manually and found nothing there?

I, including many others, face the same problem in iphone 6S/7/8 models and neither 13.1 nor 13.1.2 updates have fixed this issue yet. Apple should look into this as early as possible as there is no proper response from them.

I have iPhone 7plus and haven’t encountered this issue.

Have you tried to back up your phone and reset the phone and set it up as a new phone?

i mean it only takes an hour or two to do this.

this might fix your problem.