Apple Pay Says Payment Not Completed: How to Fix It

There are several reasons why you might see a message from Apple Pay saying the payment is not completed, and there are a handful of fixes to resolve the issue. Some are as simple as restarting your phone or waiting for better service. 

This post will show you how to fix the issue of Apple Pay saying payment is not completed. I’ll walk you through several potential fixes to help you resolve this issue quickly. I’ll also highlight some other important related information. 

Let’s dive in. 

Key Takeaways

  • You can try a number of different fixes to resolve the issue of Apple Pay payment not getting through, and most of them are simple to troubleshoot. 
  • You should start by checking that the Apple System is up and running before spending too much time attempting to fix the issue. 
  • If you have extended issues with being unable to use Apple Pay or payments not being completed, reach out to Apple Customer Support for help. 

How to Fix Apple Pay Payment Not Completed Issue

If you run into the issue of not being able to use Apple Pay because you see a message saying that payment is not completed, there is usually a simple fix. Go over any of the issues below to attempt to fix the problem. 

Fix #1 – Check System Status

Sometimes an Apple Pay payment cannot be completed because the entire Apple System is down. This doesn’t happen very often, but it will obviously affect your ability to use Apple Pay if it does.

There isn’t much you can do about a system-wide issue with Apple Pay. But you can check the system status to see what’s going on. This is a good first step, so you don’t spend too much time or effort trying to resolve the issue in other ways.

Fix #2 – Check WiFi and Cell Connection

If you don’t have a WiFi or cellular connection, you won’t be able to use Apple Pay. You might see a payment not completed message if you attempt to send a payment through Apple Pay when you have no or limited service. 

You’ll need to establish a connection and then attempt to send the payment again to fix this issue. You might need to move locations or wait until the service in your area improves to do this. 

Fix #3 – Restart Your iPhone

A quick restart of your iPhone can often fix many minor bugs and glitches and is another good starting point for issues such as an Apple Pay payment not being completed. This works for many other problems as well, so it is good to keep in mind. 

You can simply turn your iPhone off and back on again to fix this issue. When it’s back on, attempt to complete the payment again to see if the problem is resolved. 

Fix #4 – Update Software

You also might need to update the software on your iPhone to get Apple Pay working correctly. Running an outdated version of iOS can lead to several unexpected problems with Apple Pay or any other app. 

Follow these steps to update the software on your iPhone: 

1. Tap the Settings app on your iPhone

2. Tap General

3. Tap Software Update

4. Tap Install Now if you see an update available. It can take a while for the update to be completed, and you should keep your phone plugged in and connected to WiFi during the process. 

Fix #5 – Reset Face ID or Touch ID

If you are using the security features included with your iPhone when you make Apple Pay payments, it can potentially cause an issue. Resetting your Face ID or Touch ID can often resolve this issue. 

You can reset your Face ID or Touch ID in the settings app on your iPhone. Make sure to follow all of the steps to do this properly, and then attempt to make a payment with Apple Pay to see if it can be completed. 

Similarly, if you have Face or Touch ID issues caused by damage to your phone, your phone might not be working correctly. You might need to replace the screen or talk with a service tech to resolve this issue. 

Fix #6 – Update or Add Payment Information 

You need to have a card set up with your Apple Pay account if you want to make payments. If you don’t have one of these cards set up in your Wallet app, or if the information on it is out of date, you might not be able to complete payments. 

Updating or adding payment information to your Apple Pay account can also be done through the Settings app on your iPhone. You can also do it in the Wallet app. 

Follow these steps to update or add payment information to Apple Pay: 

1. Tap the Settings app on your iPhone

2. Tap Wallet and Apple Pay

3. If there is no card set up, tap Add Card to get one to use with Apple Pay. Follow all information to set up the card. 

4. If there is a payment card, click on it to check that the information is correct. You can make changes to your address or other things that might have changed. 

5. Once you get a new card added or a current one updated, attempt to make a payment again. 

Fix #7 – Contact Apple Customer Support

If none of the fixes mentioned above solved the problem of an Apple Pay payment not being completed, you should contact Apple Customer Support to try and fix the issue. You will be connected to a support tech who can help you troubleshoot more issues. 

Typically, the support tech will be able to walk you through any necessary steps to figure out what is going on quickly. But stay patient if they instruct you to do anything you’ve already tried. 

Final Thoughts

Running into the issue of an Apple Pay payment not being completed can be frustrating, but luckily there are many quick fixes to explore to fix the problem. Keep all of the information here in mind if this happens to you. 

Remember that it’s always good to start with minor fixes like checking for system outages or restarting your phone before going too far down the rabbit hole. 

Have you ever run into the problem of an Apple Pay payment not being completed? How did you fix it? Let me know in the comments below.   

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