User level: Level 1 (27 points)iPhone 14.
Apple Pay works.
Other cards in the Wallet, debit/charge, do not work with pay by phone.
It was set up correctly and had been working.
How can I resolve this?
Thank you
[Re-Titled by Moderator]
Original Title: Pay By Phone
Posted on Sep 18, 2026 4:33 AM
User level: Level 9 (64,078 points)Sep 18, 2026 8:35 AM in response to lvbassistcjs
You’re welcome! Without more details there’s not much I can suggest. She should make sure the iPhone is updated to the latest iOS version. If that doesn’t resolve the issue, she’ll need to have Apple perform diagnostics on her iPhone. It can be done in person at an Apple Retail Store or at an Apple Authorized Service Provider. She can also contact Apple Support and request remote diagnostics. In store diagnostics is a better option. It can be tested in store.
If you’re in the US, please call 1-800-MY-APPLE, or outside the US, consult the support articles below. In Canada, call 1-800-263-3394.
Contact Apple for support and service - Apple Support
User level: Level 9 (64,078 points)Sep 18, 2026 7:22 AM in response to lvbassistcjs
Apple Pay works via what’s known as Tap-To-Pay. Your granddaughter selects the payment card, her Face ID on her iPhone verifies her identity and authorizes the transaction. She then taps the back of the iPhone on the transaction terminal at a merchant’s location. Encrypted data is then sent to the merchant’s POS system. The bank decrypts the token and authorizes or declines the transaction.
If the notification on the transaction terminal says declined, it’s a bank or merchant issue. If there is a different message she needs to note it exactly and then let us know what it says so the issue can be diagnosed.
User level: Level 9 (64,078 points)Sep 18, 2026 6:23 AM in response to lvbassistcjs
Apple doesn’t offer a pay by phone service. Please explain in more detail what you’re attempting to do, and list any error messages you’re receiving.
User level: Level 1 (27 points)Sep 18, 2026 7:01 AM in response to Jeff Donald
I am not sure how to state it...
When you use your debit/charge cards in the wallet feature on the iPhone to pay for something.
It does not work.
In other words, on my granddaughter's phone, she has access to our bank card to pay for things if she needs.
She had been able to use this, but now it has stopped working....
I hope this is better
User level: Level 1 (27 points)Sep 18, 2026 8:01 AM in response to Jeff Donald
Thanks for your response...
As I had stated, it had been working.
She just wrote to me that when she tries to pay with the card digitally, it does nothing.
It does not decline the card or other message.
She said it does not scan....
That's all I have for you...
Thanks
Originally posted at discussions.apple.com/thread/256359639