Could not set up Apple Pay iOS 15

"Could not set up Apple Pay, an error occurred while setting up Apple Pay"

I'm having issue with add card to wallet on my iPhone only, when click on "add card", it said "Could not set up Apple Pay - an error occurred while setting up Apple Pay", at the meantime I successfully added card on iPad and Mac, why only iPhone has the issue with add card, have searched every solution online, my region setting is correct, looking for solution for iPhone.

iPhone X

Posted on Sep 28, 2020 10:50 PM

1. Sometimes if you sign out of your Apple ID and back in it resolves the problem.
2. Check your Apple ID region to make sure it is correct. If it is correct, you may need to select the same region again. (Change your Apple ID country or region - Apple Support)
3. Check the region on your device to ensure it is correct (Settings>general>language & region - set to your region)
4. A passcode is required to use the Wallet app. 
5. You need to be in a region that supports Apple Pay - Countries and regions that support Apple Pay - Apple Support
6. Your bank needs to support Apple Pay - Apple Pay participating banks - Apple Support
7. If none of these suggestions are able to resolve your issue you can go here for further assistance - If you can't add cards to Wallet for Apple Pay - Apple Support

• If you need to change your default payment in Wallet or have other issues such as the inability to add passes you can go to these links which covers managing Wallet and wallet use.
• Add and manage passes in Wallet on iPhone - Apple Support, please note that passes cannot be directly added within wallet, except for QR code enabled passes. For everything else, its done either through the associated app, an email, airdrop or a link in a website.
• If you get an error that you already have the maximum amount of cards in wallet with less than 22 cards signing out of your Apple ID and back in usually resolves this issue.
• If you are getting a message to contact the card issuer, call the bank or credit card company who issued you the card to make sure there are no restrictions on the card. 
• If you are getting a message that Apple Pay services are unavailable at this time, sign out of your Apple ID and back in.
• How to use Wallet on your iPhone, iPod touch, and Apple Watch - Apple Support,
• Manage the cards that you use with Apple Pay - Apple Support

Posted on Sep 29, 2020 5:36 AM

Find out what steps to take if you can't add a card to the Wallet app to use with Apple Pay.

1. Check that you're able to use Apple Pay:
   • Contact your card issuer to see if they support Apple Pay.
   • Update to the latest version of iOS or iPadOS, watchOS or macOS.
   • Make sure you're in a supported country or region.
   • Check that your device is compatible with Apple Pay.
2. Check for services outages or connection issues.
3. If you see the message "Could Not Add Card" or "Invalid Card", contact your bank or card issuer.

Apple does not approve or decline cards for use with Apple Pay. If your card has been declined, contact your bank or card issuer.

If you need help adding a card, find out how to set up Apple Pay.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

Published Date: June 03, 2022

Could not Set Up Apple Pay An error occurred while setting up Apple Pay

Getting

Could not Set Up Apple Pay

An error occurred while setting up

Apple Pay

OK

error when trying to add new card to my Wallet. I tried to do it through Wallet app, and trough Settings -> Wallet & Apple Pay -> Add Card. Same error comes up. I did hard reset the phone.

Thanks for the help

iPhone XS Max, iOS 12.1

Posted on Nov 2, 2018 5:16 AM

Is your Apple Pay not working on iOS 15? 

With Apple Pay, it’s easy for iPhone users to pay for apps and even make digital payments at physical stores through the wallet app or an NFC scan. Unfortunately, some users reported issues with the service after they updated their phones to iOS 15. 

Apple Pay is highly secure, so it has several background services that verify and preserve your identity as you make digital payments. However, after an iOS update, these services might face some issues due to older caches and security tokens. 

Fortunately, there are multiple ways to resolve this issue. We’ve listed them here, along with easy-to-follow instructions. Here’s how to fix an Apple Pay that’s not working on iOS 15.

Let’s jump right in!

1. Check If Apple Pay Is Down.

Before you reset any Apple ID or security settings, check if Apple Pay is down. Most digital payment apps work via powerful servers and Cloud. In rare instances, the servers of the web background services that Apple Pay use momentarily crash.

Visit the official Apple System Status page to check if Apple Pay is working and online. If it’s working, you’ll see a green dot beside Apple Pay. Otherwise, it’s unavailable.

2. Force Restart Your iPhone to Fix Apple Pay That’s Not Working on iOS 15. 

A hard restart is another way to fix your unresponsive Apple Pay. It helps your iPhone clear old caches and retrieves new security tokens for the password manager, security apps, and, of course, Apple Pay. Check out our guide on how to force restart your iPhone and follow the steps unique to your device model. 

Once your device is back on, make a dummy payment using Apple Pay to test it. If it still doesn’t work, we have a few more potential solutions for you below.

3. Re-Add Cards or Bank Accounts.

If Apple Pay is up and running worldwide, then the problem could be on your account. One fix you can do is remove and then re-add your card details or bank accounts on the app. It might help Apple Pay recognize your digital payment methods again. 

Here’s how to perform this fix:

1. First, go to the Settings app on your iPhone.
2. Select Wallet and Apple Pay.

1. Tap the payment method or bank account you want to remove. Then, scroll down and hit the Remove This Card button.
2. Enter your passcode to confirm the action.
3. Now, restart your phone.
4. Once your phone is back on, open the Wallet app. 
5. Tap the + button on the upper-right corner of the screen to re-add your card or bank account. When prompted, enter your Apple ID login credentials.
6. Now, use the app to scan the card. Alternatively, you can enter the bank or card details manually.
7. The card issuer verifies whether your card is eligible to use for Apple Pay. Follow any on-screen instructions from your bank to link your account to Apple Pay. 
8. Once you’ve done all that, try to use your Apple Pay again and see if it works now.

4. Re-Sign into Your Apple ID to Fix Apple Pay That’s Not Working on iOS 15. 

After the iOS 15 update, you might have to re-confirm your Apple ID account to make some apps work again. If you’re still facing issues with Apple Pay at this point, try to sign out and back into your Apple ID on your iPhone.

Here’s how to do it: 

1. First, navigate your way to your iPhone’s Settings. 
2. Tap your name or profile at the top of the screen.
3. On the next screen, scroll down to the bottom and tap the Sign Out button. 

1. Enter your Apple ID password and then, tap the Turn Off button.
2. Tap Sign Out.
3. Hit the Sign Out button again to confirm your choice.
4. Restart your iPhone. 
5. Lastly, once the device is back on, go to the Settings app and log in to your Apple ID again.

Now, see if your Apple Pay works as intended. If not, check out the other fixes below.

5. Check Face ID or Touch ID Settings.

As mentioned, Apple Pay is a highly encrypted app. If your iPhone uses Touch ID or Face ID, it helps verify your identity when using Apple Pay. Ensure that your Face IDs and fingerprints are set up correctly so that Apple Pay can work properly on iOS 15. 

6. Reset All Settings to Fix Apple Pay That’s Not Working on iOS 15. 

If nothing has worked yet, try resetting all your iPhone settings. The culprit could be mismatched settings caused by a bug during the iOS 15 update, so resetting all settings can resolve the issue. This fix can lead to security tokens functioning again as Apple Pay’s background services work on new caches.

Keep in mind that this solution involves restoring all your settings to their defaults. These settings include Apple Pay cards, network settings, location settings, and more. No data or media are deleted, but any customized phone settings will be removed. 

Here’s how to reset all settings on your iPhone:

1. Start by opening Settings.
2. Then, select Transfer or Reset iPhone.
3. Now, tap Reset and choose Reset All Settings from the options.

1. Lastly, enter your passcode to confirm the action. 

Once you’ve done all that, your phone will automatically restart. You should be able to use your Apple Pay again at this point.

7. Select a Card Manually for Digital Payments in Person.

If you’ve figured out that Apple Pay is not working right as you are paying at a physical store with no cash on hand, you need a quick fix. One workaround is to select a debit or credit card manually.

This will not return the regular functionalities of Apple Pay, but it should get you out of a sticky situation. Just perform the other fixes we’ve mentioned above as soon as you can.

Here’s how to select a card manually on Apple Pay:

1. First, go to the Wallet app.
2. Select the card you want to use.
3. Then, hold your iPhone near the payment reader.
4. When prompted, verify your identity using Face ID or Touch ID.

That wraps up the guide. Let us know which fix has worked for you. And if you experience more issues after you update your phone to iOS 15, leave a comment below. Our team is always happy to create more tech guides for iPhone users like you.

If this guide helped you, please share it. 🙂

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