After update, Apple Pay says my card is expiring, but it is not

Why did the new update make Apple think my Apple Pay acct think my card is expired ? It won’t expire for two years, and now I can’t use Apple Pay for anything.

iPhone 7, iOS 14

Posted on Dec 29, 2023 4:10 AM

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Question marked as Top-ranking reply

Posted on Jan 4, 2024 5:23 PM

The problem is Apple Pay/Wallet lost the last 2-digits of our expiration dates. It’s only reading the “20xx” and lost the last 2-digits.


Unfortunately this iOS will not let you edit the card info, EVEN if your card number has not changed (like if you got the new one in mail with simply a new exp date!!!).


SOOOOO, you have to DELETE the card then add it back in using the “MM/YYYY” format and it then works!

118 replies

Dec 30, 2023 2:27 PM in response to Tashaskye

Came here to say the same thing. I noticed that ever since I updated to 17.2.1 I’ve been getting “payment problem” emails from Apple regarding my recurring subscriptions but they go through just fine.


I'm trying to make a movie purchase and it keeps telling me my card is about to expire when it doesn’t expire for another 2 years.


Updating the info does nothing.

Dec 31, 2023 8:19 PM in response to Tashaskye

Happy NYE! Spending mine trying to figure out how to get my Apple Pay to work. Just like all of you, Apple Pay says my card is expired. I tried adding a different card to remove my current one and re-add it, phone says new card is also expired so I can’t add it. Therefore, I don’t have a solution. Please let me know if anyone else finds one. Count your days, Apple!

Jan 3, 2024 6:27 PM in response to leeland162

I had two reps remote into my phone and neither could fix it. The next step to resolving no side button after fixing the expired card message was going to be connecting to a laptop and wiping previous software versions from the phone. My wife was on my shared plan and was having to get a code from me to buy songs. She got frustrated and left. At that point my doubly click to buy songs and apps returned to normal. So apparently our accounts being linked was keeping something on my phone from resetting.

Jan 6, 2024 7:57 AM in response to Tashaskye

I've tried all of this, added another card, removed my old card. It lets me add the card back, but when I try to link it to apple pay it again tells me it's expired. It also tells me then that the security code isn't valid, which is also not true. I don't have another card that I can link to apple pay so not sure what to do.

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After update, Apple Pay says my card is expiring, but it is not

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