Unable to receive money with Apple Pay on a new iPhone

I setup a new iPhone because my other phone is a work phone and I never had Apple Pay or anything on it. Anyway, I went through all the verification, checked all settings and I can only send Apple Pay and not receive it from anyone. When someone tries to send they get a declined message. Help!



[Re-Titled by Moderator]

iPhone 15, iOS 18

Posted on Feb 4, 2025 9:47 AM

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Question marked as Top-ranking reply

Posted on Feb 4, 2025 10:52 AM

Apple Pay doesn’t send or receive funds. I suspect you’re confusing Apple Pay with Apple Cash.


Have you set up your Apple Cash account and verified your identity? If not, please do so.


Verify your identity for Apple Card or Apple Cash - Apple Support


7 replies

Feb 4, 2025 1:54 PM in response to Jeff Donald

It’s a brand new phone, Apple ID and Apple Cash/Apple Pay account. I have another iPhone for work but it never had Apple Pay or Apple Cash set up on it cause it’s a work phone. Like I said I sent my DL it said it was verified. The wallet shows it’s ready to use and I can send to anyone. I’ve added cards. All the settings are setup right. My wife has Apple Cash everything matches her settings. Idk my wife is good with this stuff and can’t even figure it out

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Unable to receive money with Apple Pay on a new iPhone

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