Apple Pay Not Working After Update

Jim — I don’t think you’re talking about Apple Pay. I think you’re talking about Apple Account (formerly Apple ID). Cards are not linked to Apple Wallet, they’re added. Are you in Settings app or Wallet app?

Only the issuing bank can decline a transaction. If the bank declines it, the transaction will appear in your Wallet in red and the words declined. When the bank declines a transaction, you can contact their support team and inquire why?

The exact issue is happening to me too. I use my phone to pay for items at a eftpos machine and it doesn't say insufficient funds - but instead "bad read error" or something "card read error" . I tried the full fleet of cards I had saved on my phone and non worked. Went to a different location and store and same thing happened.

this was since the newest update. Related to update? Who knows. (My phone did get water logged 6months back but made a full recovery,,,, but now with the update is the water drama from so long ago starting to take effect???)

People started posting me too posts but had unrelated issues to your original post. Nothing will get solved this way. Sorry. My advice is to start a new post and include the url to this thread and I can pickup the pieces in regard to your issue. Sorry for the inconvenience.

Jeff

Jeff right now I see 74 people on the thread are having the same issue since the 18.1.1 update. The card is in the wallet and can send money. But we cannot transfer money from Apple Cash to the bank card anymore. It keeps saying add card but when you try the card is already there. And I followed every step you recommended.

In my case, when paying using Apple in an app (Arby’s), the transaction charges my card, spins for a minute, I get a text that the payment went through, then. Get an error that the payment failed and the transaction was refunded. Tried multiple cards. Same problem every time. Happened immediately after upgrading to 18.2.

It worked fine before the update. The fact that two apps are affected (and maybe others) shows that the update is the problem. I don't want to uninstall all the apps that have Apple Pay as a payment... especially as to see if it works I have to make a payment. I'm going to try changing the payment method, make a payment and go back to Apple Pay to see if that gets around the problem. I'll try this the next time I order

What isn’t working? You need to provide specific examples so the issue can be properly diagnosed. Please do not share any personal or financial information. This is a public forum.

Is the failed transaction appearing in your Wallet app?

Apple Pay uses different coding than using your card’s numbers. Your situation sounds like Uber Eats needs to update their app. Have you tried deleting the app and reinstalling the app?

Yep I have the same exact problem. The card I had linked prior to the update no longer works. Says it can’t use this type of card or contact the bank which I did and everything is fine. This is beyond frustrating especially now.

That’s because you’ve confused Apple Pay, Apple Cash and Apple Account. These are three separate and unrelated services.

Let’s solve the immediate issue. You need to send Apple Cash to someone is that correct?

Apple Cash is what is used for sending funds to friends and family. It can also be used in junction with Apple Pay to purchase products and services from merchants worldwide.

Apple Pay is a payment service you use with your iPhone to send encrypted data to the merchant and issuing bank. It provides an extra layer of security and privacy to all you your transactions with merchants.

Apple Account is used for the purchase of goods and services from Apple. This includes iTunes, App Store, purchase from Apple Pay.com/store and Apple Retail Stores.