Apple Pay restrictions
i need help setting up my Apple Pay?
User profile for user:
SnickZ.
User level:
Community Specialist
Hello sexyredd30,
Welcome to Apple Support Communities!
If we understand your post correctly, you need some help setting up Apple Pay. We're here to help!
To use Apple Pay, you need:
• A compatible device with the latest version of iOS or iPadOS, watchOS, or macOS.
• A supported card from a participating card issuer.
• An Apple ID signed in to your Apple device.
Learn if your country/region supports Apple Pay. To check if your card is compatible with Apple Pay, contact your card issuer.
How to add a debit or credit card on your iPhone
1. In the Wallet app, tap the Add button.
• Tap Debit or Credit Card to add a new card.
• Tap Previous Cards to add a card that you used previously.
2. Tap Continue.
3. Follow the steps on the screen to add a new card.
4. Verify your information with your bank or card issuer. They might ask you to provide more information or to download an app before approving your card for use with Apple Pay.
5. If you have a paired Apple Watch, you have the option to also add the card to your watch.
To remove a card from the Previous Cards screen, tap Edit > Remove button> Delete. Then, tap Delete Card to confirm and remove the card from all your devices.
How to add a debit or credit card to your Apple Watch
1. On your paired iPhone, open the Apple Watch app.
2. In the My Watch tab, tap Wallet & Apple Pay.
3. Tap Add Card.
• Tap Debit or Credit Card to add a new card.
• Tap Previous Card to add a card that you used previously.
4. Tap Continue.
5. Follow the steps on the screen to add your card.
6. If necessary, verify your information with the bank or card issuer. They might ask you to provide more information or to download an app before approving your card for use with Apple Pay.
How to add a debit or credit card for Apple Pay on your Mac or iPad
1. Open Wallet settings on your device.
• On your Mac model with Touch ID, go to System Preferences > Wallet & Apple Pay.
• On your iPad, go to Settings > Wallet & Apple Pay.
2. Tap Add Card.
3. Follow the steps on the screen to add a card.
4. Verify your information with your bank or card issuer. They might ask you to provide information.
On Mac models without built-in Touch ID, you can complete your purchase using Apple Pay on your compatible iPhone or Apple Watch: On your iPhone, go to Settings > Wallet & Apple Pay and turn on Allow Payments on Mac.
If you can't add a debit or credit card to Apple Wallet
Learn what to do if you can't add your card to Wallet
If you have Apple Pay already set up but are getting a message that it has been restricted then follow these steps:
To prevent fraud, ensure account security, and comply with regulations, your Apple Cash account may be restricted or locked. Your account restriction or lock may be temporary until you verify your identity or while your account is under review, or you may need to contact Apple Support for next steps.
If your Apple Cash account requires identity verification
• On iPhone: Open the Wallet app, then tap your Apple Cash card.
• On iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
• On Apple Watch: Open the Apple Watch app on your iPhone, tap Wallet & Apple Pay, then tap your Apple Cash card.
Tap Verify Identity, then follow the onscreen steps. Make sure the personal information you enter during identity verification is accurate. Learn more about identity verification.
If your Apple Cash account is in review
If your account is restricted while under review, you can't send or receive money with Apple Cash, or add money to your account. If your account is locked while under review, you also can't transfer money to your bank or make purchases with Apple Pay.
Reviews take up to 2 business days. When the review is complete your account will either be active, or there'll be a message on your Apple Cash card with your account status.
If your Apple Cash account is restricted
Your account may be restricted if your identity verification fails multiple times, if there are multiple accounts tied to the same social security number, or if there's suspected fraud on the account. If your account is restricted, you can still transfer your Apple Cash balance to your bank or use it to make purchases with Apple Pay. You can't send or receive money, or add money to your account.
If your account is restricted and there are no instructions provided, contact Apple Support.
If your Apple Cash account is locked
Your account may be locked if there's suspected fraud on the account, or if additional security checks need to be completed. If your account is locked, you can't use Apple Cash to make purchases, send or receive money, add money to your account, or transfer money to your bank.
If your account is locked and there are no instructions provided, contact Apple Support.
If you're part of Apple Cash Family
Your Apple Cash Family organizer can lock a family member's Apple Cash account. If the organizer locks your Apple Cash account, you can't make purchases, or send and receive money.
If you get Daily Cash from Apple Card purchases
When your Apple Cash account is locked or restricted, your Daily Cash from Apple Card purchases accumulates in your Apple Card account.2 The accumulating Daily Cash can be applied towards your Apple Card balance.
If your Apple Cash account is restricted or locked
Thank you for using Apple Support Communities.
Take care!