Apple Pay Not Working After Update

I received prompts to update to iOS 18.1.1 yesterday on phone (14 Plus)and iPad, now none of the payment options that I have stored in my wallet are working. I tried powering both off and restarting, removing then adding back each card. Tried both the add new card and use previous card options, nothing is working. I’ve tried three different cards from two different banks. I can add the cards to my wallet but can’t use them. Same issue on iPad and iPhone. Is anyone else having this problem? Any recommendations?

iPhone 14 Plus, iOS 18

Posted on Nov 30, 2024 6:41 PM

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Posted on Dec 23, 2024 4:33 AM

Did you remove the VPN profile at this path,


iPhone > Settings > General > VPN & Device Management > remove VPN profile


You will also need to reset 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.



74 replies

Dec 10, 2024 3:47 AM in response to fay214

I am having the same issue after updating to 18.1, I have never used apple wallet - but been paying the Apple one/ iCloud subscription via Apple account/ID - now after many payment decline ….. I cannot upgrade iCloud space, access music or Apple TV.


has there been any solution to this matter? Reading thru the thread- I haven’t seen any.

Dec 11, 2024 5:29 AM in response to 702Superwoman

Actually you’re seeing about ½ a dozen. Many didn’t understand their issue and posted here not knowing it was unrelated to Apple Pay. For example, your post is concerning Apple Cash and is unrelated to the original poster’s credit card issue.


I’m not sure what steps you followed because it might have been for an unrelated issue.


Let’s start with a couple of questions. Does your card appear in Apple Wallet? Does it appear in previous cards? What iPhone model do you have?

Dec 23, 2024 10:46 AM in response to Jeff Donald

Thanks Jeff.


i did remove the vpn as per your suggestion and also I had reset the network also still no joy.


i have multiple cards failing ;and each of them used to work)


a barclaycard gives an error 'your card provider does not support this service' and I have checked with them... no issues they can see.


a Revolut card fails with a simple 'card not added' after I accept their terms and conditions. Or if I try adding it from within the Revolut app 'something went wrong'


i have tried restarting of course. And I updated my shipping address. Can't think what else to try!

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Apple Pay Not Working After Update

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