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Why is Apple Pay not working on my new iPhone 16 Pro Max?

Just got my new iPhone 16 Pro Max to replace my iPhone XS and I get the message where Apple Pay will be available when updates are complete! Really!? Phone is up to date. Never had this issue with my old iPhone. Having regrets with the upgrade. Can anyone help?



[Re-Titled by Moderator]

iPhone 16 Pro Max, iOS 18

Posted on Sep 29, 2024 12:15 PM

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Question marked as Top-ranking reply

Posted on Oct 2, 2024 2:08 PM

When we try to tap to pay, it says it can not read the terminal. I have tried serveral venders. It worked a few days ago but just stopped.

Never has this problem with my old iphone12

8 replies

Oct 1, 2024 4:14 AM in response to ochavez364

I’ve also just purchased an iPhone 16 and I’m having the exact same issue. The error message says “Apple Pay will be available when updates are complete”


it worked fine for the first few days and then suddenly stopped working. My iPhone has the latest software and I’ve also tried deleting the cards and reactivating them with no luck. Hoping someone can help.

Oct 3, 2024 5:46 AM in response to mogamat224

Here are a couple things you can try. I’ve listed them below from simple to more time consuming.


Forced restart takes just a minute or two and could resolve the issue. It’s much more than simply turning your iPhone off and on. I’m posting a link below with complete step by step instructions.


Force restart iPhone - Apple Support


Please contact Apple Support and request Remote Diagnostics and pay particular attention to the NFC module. If you’re in the US please call 1-800-MY-APPLE or outside the US, consult the support articles below.


Contact Apple for support and service - Apple Support


They can also do diagnostics at a nearby Apple Store Genius Bar, if more convenient. You can use the link below to make an appointment.


Genius Bar Reservation and Apple

Support Options - Apple

Why is Apple Pay not working on my new iPhone 16 Pro Max?

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