tried everything, Apple Pay just says "Payment Not Completed"

Question

j-m-d Author

Level 1

36 points

tried everything, Apple Pay just says "Payment Not Completed"

Apple Pay worked fine until upgrading to 18.1

Now when I try Apple Pay, on the iphone15Pro, or the Mac thru my phone, I just get "Payment Not Completed"

Deleted, re-added cards

turned VPNs off

turned Face ID off

tried different cards

worked immediately before going to 18.1

logged out of Apple ID

restarted phone

I don't know what is actually complaining ? the bank ? apple ?

even when adding cards back in, I don't get a message from the bank about adding the card.

This seems to happen whenever major iOS update, but it used to get fixed adding the cards back.

Don't know what else to do ?

iPhone 15 Pro, iOS 18

Posted on Nov 12, 2024 2:31 PM

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Answer 1

Jeff Donald

Level 7

24,681 points

Nov 13, 2024 4:00 AM in response to j-m-d

The issue is probably the VPN. Remove the profile in your Settings app and then reset your Network Settings.

>>Reset your network settings

If you're using iOS or iPadOS 15 or later, tap Settings > General > Transfer or Reset [Device] > Reset > Reset Network Settings.

If you're using iOS or iPadOS 14 or earlier, tap Settings > General > Reset > Reset Network Settings.

This also resets Wi-Fi networks and passwords, cellular settings, and VPN and APN settings that you've used before.<<

Reset Network Settings - Apple Support

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Answer 2

Jeff Donald

Level 7

24,681 points

Nov 12, 2024 2:49 PM in response to j-m-d

The first rule of financial transactions is never use a VPN. VPNs are the preferred tool of scammers, money launders, and fraudsters.

Do the attempted transactions appear in your Apple Wallet app?

What happens if you attempt a transaction using Apple Pay at a merchant’s location?

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Answer 3

j-m-d Author

Level 1

36 points

Nov 12, 2024 3:02 PM in response to Jeff Donald

no, they do not appear in the wallet

I verified the card works at the POS terminal, but did not try Apple Pay there.

The VPN has been on for months and hasn't been an issue. But turning it off does't help.

When I remove a card from Payment & Shipping/Payment Methods, and re-adding it, should I not expect an email from my Bank ?

Sometimes it says "Payment Failed", sometimes "Payment Not Completed" ?

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Answer 4

j-m-d Author

Level 1

36 points

Nov 12, 2024 10:40 PM in response to j-m-d

I finally found the place to remove and redd my card that cause a "card removed", "card added" messages from my bank. I sthouht that was it, but no. Removed everything again, looged out of Apple ID, turned off Itunes

just doesn't work. I will try it tomorrow at a store

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Answer 5

Nov 12, 2024 3:21 PM in response to j-m-d

Remove the VPN.

VPNs are bastions of fraud, of data harvesting, of scams, and just mundane problems with IP routing.

Restart.

Try again.

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Answer 6

Jeff Donald

Level 7

24,681 points

Nov 12, 2024 5:53 PM in response to j-m-d

What app are you in Wallet or Settings? There is no Shipping & Payment Methods section to Apple Wallet. It sounds like you’re in your Apple Account in the Settings app.

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