Apple Tap-To-Pay Does Nothing

No change? Have you had Apple do remote diagnostics on your iPhone?

How long ago did you use VPN? Did you remove the profile at iPhone > Settings > General > scroll down > VPN & Device Management > delete profile(s)

If a profile was there, you need to reset your network settings too.

If there’s no profile, it’s unlikely you have a VPN installed. Without diagnostics, it’s hard to go much further. I suspect the NFC module has an intermittent connection issue. It could also be the antenna, but less likely.

Please have Apple perform diagnostics on your iPhone. It can be done in person at an Apple Retail Store or at an Apple Authorized Service Provider. You can also contact Apple Support and request remote diagnostics.

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

Genius Bar Reservation and Apple Support Options - Apple

Explore Service Locations

Official Apple Support

If Apple Tap-to-Pay on your iPhone isn't working, several factors could be at play. It's essential to confirm that the merchant's terminal is compatible with Apple Pay, and that your iPhone is enabled for Tap to Pay. Check your card in Apple Wallet is valid and not blocked by your bank, and that the phone is properly positioned with the NFC antenna close to the reader. If the issue persists, consider restarting your iPhone, updating to the latest iOS, and contacting Apple Support for further assistance. 

Here's a more detailed breakdown of potential problems and solutions:

1. Merchant Terminal Compatibility:

• Ensure the merchant's point-of-sale (POS) terminal supports Apple Pay and contactless payments. Some older or non-compatible terminals may not recognize the tap-to-pay request, says Apple Support. 
• If the merchant uses a specific payment service provider (PSP), verify that their system is configured to accept Tap to Pay. 

2. Card and Apple Wallet:

• Card Validity:
• Confirm that your card in Apple Wallet is valid, not expired, and has sufficient funds. 
• Card Blocked:
• Contact your bank to ensure your card hasn't been temporarily blocked or has security restrictions that prevent contactless transactions. 
• Remove and Readd:
• If you suspect a problem with a specific card, try removing it from Apple Wallet, restarting your iPhone, and readding it. 

3. iPhone Configuration:

• Tap to Pay Enabled:
• Ensure Tap to Pay on iPhone is enabled in your payment app settings (e.g., Square or another PSP app). 
• Latest iOS:
• Make sure your iPhone is running the latest version of iOS, as software updates often include fixes for compatibility issues. 
• Proper Positioning:
• When tapping, hold your iPhone with the camera side closer to the reader, ensuring the NFC antenna (around the camera lenses) is in contact with the reader. 
• NFC Antenna:
• If you suspect a hardware issue with the NFC antenna, Apple Support suggests contacting Apple Support for remote diagnostics. 
• Restart:
• Restart your iPhone to resolve temporary software glitches. 

4. Specific Issues and Solutions:

• Apple Card:
• If you are experiencing issues with Apple Card specifically, some users have found success by removing the card from Apple Wallet and Apple ID, restarting the phone, and readding it, notes a user on Apple Communities. 
• "Unable to Set Up Tap to Pay" Error:
• If you encounter this error, it might mean you have too many cards in Apple Wallet. Remove one or more cards and try again, according to Apple Support. 

5. Seeking Further Help:

• Apple Support: If you've tried the above troubleshooting steps and the issue persists, contact Apple Support directly. They can offer more specific guidance and remote diagnostics. 
• Merchant Support: If the problem is with the merchant's system, reach out to their support for assistance. 
• Bank Support: If you suspect an issue with your card, contact your bank for help. 

Do you use a case? If so, have you tried it without a case?

You’re not bothering people. 😀😀

My comment was directed at the other member that commented with a long, Artificial Intelligence generated comment. Most of what was posted was useless in resolving the issue. I didn’t want to see you going down a rabbit hole pursuing the wrong information.

A new iPhone should resolve the issue. I’m thinking it’s an antenna issue. You can have Apple do remote diagnostics, but visiting a store is fun.

Butterfly_Kite_And_Bee_Kite wrote:

It is generally expected that the OP's question is read to have an understanding of the issue they are experiencing and then provide relevant feedback that in most cases is best done with a user experienced in the matter. It is clear that has not been done from your post. The AI responses provided doesn't even take into account what has been tried by the OP.

Have you ever used a VPN or antivirus software? Are you accessing your Wallet by double clicking? Do you ever open Wallet app by tapping on it?

You’re welcome and I hope the issue is quickly resolved to your satisfaction.

Your AI generated response is mostly irrelevant. It’s not a card, merchant or bank issue, it’s intermittent and needs to be diagnosed by Apple Support.