How to fix Apple Pay services are currently unavailable on iPhone?

Why do I keep getting Apple Card Services Currently Unavailable when I try to activate my card?

You’re welcome! I’m happy to hear you got it worked out.

I have money on Apple Cash an it’s saying Apple Cash is unavailable

Is you iPhone updated to latest iOS, 16.4.1 or higher?

Update iOS on iPhone - Apple Support

Once updated please do a forced restart.

Force restart iPhone - Apple Support

If you card is still not installing, please logout of your Apple ID, restart your iPhone and then log back into your Apple ID.

I have been having this issue since November 2023. I have spent literal hours on the phone with support from Goldman Sachs, Apple, and Apple IT to no avail. No one can give me answers. I have tried these steps and so many for almost a year.

I went through all the steps and still not resolved.

I have followed your step by step instructions 4 times and I still can’t add my Apple Card to my wallet. I keep getting the same message. I’m at my wits end. I tried to apply for another Apple Card thinking that might solve the problem but I wasn’t allowed to. Maybe I should call Goldman Sachs and tell them to cancel my current card so that I can apply for another. Do you have any suggestions?

Did you follow the steps above about updating iOS and force restarting?

What exactly did you toggle on and off I can’t seem to figure it out after a year of this pain.

You’re trying to add your Apple Card MasterCard correct?

This was driving me crazy for a while. Turns out I hadn't accepted updated terms & conditions. I had to go to "Apple ID settings" and there it was. After accepting new T & C, Apple Cash started working immediately.

Tried this steps 2 times, still when trying to apply for Apple Card in wallet it still says “Apple services not available”. However, I see my previous Apple Card that got disabled once I paid off air pod max, still in the “previously cards” and it doesn’t let me to remove it saying “either Apple Card has a balance or user is offline”🤦🏻‍♂️🤷🏻‍♂️. So looks like it’s not letting to apply for new card because old cards roots are still wired deeply in the system, gotta find out how to completely uninstall it from system

these steps are not working for me. And I still can’t add the card to the wallet. What do I have to do?