Apple Pay Declining on New iPhone 17 Pro

I just upgraded today to the iPhone 17 Pro. Since moving over, all my Apple Pay payments are being declined on this new phone. The same cards still work perfectly on my Apple Watch and my old iPhone, but not on the new one.

Same card, same bank, same details.
Apple Pay is set up on the new phone, but every transaction fails.
No issues when using the watch or the old phone.

Has anyone faced this? Do I need to re-verify with the bank or reset Apple Pay on the new phone?

iPhone 17 Pro, iOS 26

Posted on Sep 19, 2025 5:18 AM

Top-ranking reply

suryansh198 Author

Level 1

15 points

Posted on Sep 22, 2025 6:07 PM

I spoke with CBA, and they explained that the transactions were blocked on purpose. When you sign in to a new device, they send a verification request to your old device. If you don’t approve it within 8 hours, they automatically place restrictions on all your cards. To fix it, you just need to call CBA, let them know you’ve updated your phone, and they’ll remove the restrictions.

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17 replies

kym67

Level 1

20 points

Sep 22, 2025 7:35 PM in response to suryansh198

Thanks, I’ll call them too.

Sep 23, 2025 1:00 AM in response to kym67

Thank you for this! They told me it’s not on their end! I’m raising a complaint now so I can get updates on resolution. I tried my NAB card and it worked fine!! :-) good to know there’s a solution!

Apple Pay Declining on New iPhone 17 Pro