8 Ways to Fix the 'Payment Not Completed' Error in Apple Pay (2024)

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Learn ways to troubleshoot the "Payment Not Completed" Error in Apple Pay

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IN THIS ARTICLE

1Check your payment method.

2Make sure you're connected to the internet.

3View the Apple Pay system status.

4Restart your iPhone.

5Try disabling Touch ID or Face ID.

6Update your version of iOS.

7Turn off your VPN.

8Contact Apple Support.

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Written byDarlene Antonelli, MA

Last Updated: August 19, 2024Fact Checked

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Are you seeing "Payment Not Completed" when you try to make a purchase with Apple Pay? Whether you're using Apple Pay to shop in a store, on the web, or through an app, "Payment Not Completed" is a common error that's easy to troubleshoot. This wikiHow article will teach you how to fix the Payment Not Completed error in Apple Pay on your iPhone or iPad.

  1. Make sure your payment method is up to date. You may need to remove and re-add your payment method to make sure you entered the information correctly. If your billing address doesn't match your payment method, the ZIP code is incorrect, or you're trying to use an expired card, you'll see a "Payment Not Completed" error. To check your payment method:[1]

    • Open the Settings app on your iPhone or iPad.
    • Tap your name at the top of the screen.
    • Tap Payment & Shipping.
    • Tap your preferred card or payment method.
    • Reenter your card number, expiration date, and CVV if you think they may be outdated.
    • Tap your billing address to make sure it matches the billing address associated with your payment method.
    • When you're finished making changes, tap Done.[2]
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2

Make sure you're connected to the internet.

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  1. Are you in Airplane Mode or is Wi-Fi disabled? An unreliable or disabled internet connection could explain why you're having issues with Apple Pay. Once you get to a stable internet connection, try the purchase again to see if that was the issue.[3]

    • You may need to do some other troubleshooting steps, like restarting your router if your home internet is inconsistently providing internet.
    • Turn off Airplane Mode in Control Center (swipe down from the top of your screen) by tapping the airplane icon to make it grey.
    • You may need to reset the network settings on your iPhone if you have a bad connection. To do this, go to Settings > General > Transfer or reset iPhone > Reset > Reset Network Settings.[4]

3

View the Apple Pay system status.

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  1. If Apple Pay is down, your payments won't be processed. To find out if there's an Apple Pay outage, go to https://www.apple.com/support/systemstatus and look for the colored circle next to "Apple Pay & Wallet." If the circle is green, Apple Pay is working properly.

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4

Restart your iPhone.

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  1. Turn off your iPhone and turn it back on again. This may seem like a silly troubleshooting step, but many times restarting works to get rid of any bugs that might be causing your payment to fail.[5]

5

Try disabling Touch ID or Face ID.

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  1. Disable Face/Touch ID and try the payment again. A bug or glitch in the authentication process could cause your payment to fail. To troubleshoot, turn off this security feature and try to process your payment again.[6]

    • All you need to do is head to Settings > Touch/Face ID and Passcode and switch it off. After that, restart your iPhone, then try to make the purchase with Apple Pay again.
    • If the payment doesn't fail, you'll know that it's a Face ID or Touch ID problem! In that case, register new fingerprints or scan your face again to update those security measures.
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6

Update your version of iOS.

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  1. Update your iPhone to the latest operating system. If you're using an older version of iOS on your iPhone, you may not be able to use Apple Pay. To check for updates:[7]

    • Open your iPhone's Settings app.
    • Tap General.
    • Tap Software Update.
    • If an update is available, follow the on-screen instructions to install it.

7

Turn off your VPN.

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  1. If your payment fails while you're connected to a VPN, the VPN may be blocking Apple Pay. Temporarily turn off your VPN long enough to make your Apple Pay payment, and then turn it back on. VPN can be causing your Apple Pay issue, so disable it. You can do so by going to Settings > VPN and switching it off.

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8

Contact Apple Support.

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  1. Call 1-800-APL-CARE to get help from Apple. You can also try the Apple Support Site to get help via chat, email, phone, or other ways.[8]

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      About This Article

      8 Ways to Fix the 'Payment Not Completed' Error in Apple Pay (19)

      Written by:

      Darlene Antonelli, MA

      wikiHow Technology Writer

      This article was co-authored by wikiHow staff writer, Darlene Antonelli, MA. Darlene Antonelli is a Technology Writer and Editor for wikiHow. Darlene has experience teaching college courses, writing technology-related articles, and working hands-on in the technology field. She earned an MA in Writing from Rowan University in 2012 and wrote her thesis on online communities and the personalities curated in such communities. This article has been viewed 108,144 times.

      21 votes - 43%

      Co-authors: 3

      Updated: August 19, 2024

      Views:108,144

      Categories: Shopping Online

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      Thanks to all authors for creating a page that has been read 108,144 times.

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      8 Ways to Fix the 'Payment Not Completed' Error in Apple Pay (2024)

      FAQs

      8 Ways to Fix the 'Payment Not Completed' Error in Apple Pay? ›

      One common issue is that the billing information held by Apple Pay doesn't match that held by your bank. To check your card information, go to Settings and tap your name, then Payment & Shipping. Tap the payment method you're trying to use to check and update your information if needed².

      Why does my Apple Pay keep saying payment not complete? ›

      One common issue is that the billing information held by Apple Pay doesn't match that held by your bank. To check your card information, go to Settings and tap your name, then Payment & Shipping. Tap the payment method you're trying to use to check and update your information if needed².

      Why is Apple Pay saying I can't accept payments? ›

      If this is the first payment that you've received or if you turned off the setting to automatically accept payments, then you need to tap to accept the money. Tap Settings > Wallet & Apple Pay, then make sure that you turned on Apple Cash.

      Why does Apple keep saying payment failed? ›

      You might need to ask your financial institution to allow international purchases on your debit or credit card. If you want to know why a debit card, credit card, or other payment method was declined, speak with your financial institution. Apple doesn't have information about why the payment method was declined.

      Why is my card getting declined through Apple Pay? ›

      If you see the message "This card cannot be used," check if your bank or card issuer currently supports Apple Pay: Apple Pay participating banks in Canada, Latin America, and the United States. Apple Pay participating banks in Africa, Europe, and the Middle East.

      How do I complete a payment on Apple Pay? ›

      How to pay using Apple Pay online or within apps
      1. Tap the Apple Pay button or choose Apple Pay as your payment method.
      2. To pay with a different card, tap the Next button or the Expand Menu button next to your default card.
      3. If necessary, enter your billing, shipping, and contact information. ...
      4. Confirm the payment.
      Feb 2, 2024

      How do I reset my Apple payment? ›

      If you need to change or update your Apple ID payment method
      1. Open the Settings app.
      2. Tap your name.
      3. Tap Payment & Shipping. ...
      4. If you need to update the billing information of an existing card, tap the payment method, then tap Edit.
      5. Enter your new billing information, then tap Done.
      Feb 21, 2024

      Why won't Apple accept any of my payment methods? ›

      There are a number of reasons the charge or verification might be declined: Apple is not allowed to accept credit or debit cards in your country. The card is not recognized in your country. Insufficient balance or account in arrears.

      Why won't my Apple Pay go through? ›

      Contact your card issuer to see if they support Apple Pay. Update to the latest version of iOS, watchOS, macOS, or visionOS. Confirm that you have Face ID, Touch ID, Optic ID, or a passcode set on your device. Make sure that you are in a supported country or region.

      How do I know if my Apple Pay is restricted? ›

      If your account is restricted while under review, you can't send or receive money with Apple Cash, or add money to your account. If your account is locked while under review, you also can't transfer money to your bank or make purchases with Apple Pay. Reviews take up to 2 business days.

      What can cause Apple Pay not to work? ›

      If Apple Pay is not working on your iPhone, make sure the terminal works with Apple Pay. If it does, try selecting the credit card manually from your Wallet app. Other tips include replacing your credit card in the Wallet app and signing out and back into your Apple ID.

      How to fix Apple billing problem? ›

      Add a new, valid payment method, then remove the old payment method. The new payment method is charged automatically. When the outstanding balance has been paid, you can make new purchases or use subscriptions again.

      Why does my payment method keep declining? ›

      Some common reasons that your credit card might get declined include having the card's credit limit maxed out, accidentally triggering the card's fraud protections and even entering incorrect payment information on a website.

      Why is my Apple Pay saying payment not complete? ›

      You may need to remove and re-add your payment method to make sure you entered the information correctly. If your billing address doesn't match your payment method, the ZIP code is incorrect, or you're trying to use an expired card, you'll see a "Payment Not Completed" error.

      Who to call for Apple Pay issues? ›

      Please call 1-800-MY-APPLE and speak to an Apple Specialist for more information.

      Is there a limit on Apple Pay? ›

      By default, the maximum amount you can pay in one transaction with Apple Pay is £250,000. You can turn contactless off or change your contactless limit on our Banking app by selecting Manage Cards, then selecting Contactless. Your contactless limit will be affected by the limit of the country you're in.

      Why isn't my Apple Pay later working? ›

      Apple Pay Later is no longer offering new loans for purchases with Apple Pay. With iOS 18, the Apple Pay Later card will be removed from the Wallet app.

      Is Apple Pay down today? ›

      User reports indicate no current problems at Apple Pay.

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