Apple pay stopped working on all of my devices after iOS update 18.1.1

Thanks mate. You too.

The last time I was able to successfully use my phone (Apple Pay) was November 30 this year 2024.

I’ve tried removing my cover which has the insert on it for wireless charging.

I’ve tried turning my phone off and on.

my physical card works just fine.

Frustrating when I’ve been using it for years and all of a sudden it doesn’t work. It means I have to go back to carrying my wallet with me everywhere

my phone is an iPhone 13 Pro

That’s great news. I hope you have a happy holiday!

When you attempt to verify a card for adding to Apple Wallet for use with Apple Pay, the data is sent to the Payment Network Operator (Visa, MasterCard, American Express etc.) and for whatever reason, they returned invalid.

Your bank will need to work with the PNO to resolve the issue.

Apple doesn’t change anything. Hundreds of thousands, maybe millions of cards are added everyday around the world with no issues. A small percentage have issues with their bank or Payment Network Operator. There’s nothing unusual there.

Encrypted card data resides in the Secure Element. The SE is a separate SOC (System on a Chip) and has its own separate processor, storage, RAM, etc. It doesn’t even run iOS software. It uses Java. I’ve included an article about the SE to help with your understanding.

https://en.wikipedia.org/wiki/Secure_element

>>A secure element (SE) is a secure operating system (OS) in a tamper-resistant processor chip or secure component. It can protect assets (root of trust, sensitive data, keys, certificates, applications) against high-level software and hardware attacks.

Applications that process this sensitive data on an SE are isolated and so operate within a controlled environment not affected by software (including possible malware) found elsewhere on the OS.<<

Apple submits just basic information for the initial validation, card number, expiration date and address. The PNO or bank looks at your account information such as is account active, account suspended, card activated, and card suspicious.

PNO then sends information to go to next step, or card is invalid. To the best of my knowledge, nothing has changed.

Update… Jeff you appear to be 100% correct. I deleted my card from my apple wallet and added it but not as a previous card. I started a fresh manual addition of the card and all verified it’s working again. I’m not sure where the glitch came from but I’m up and running again 👌

Exactly the same for us. We have the debit card in the Apple Pay and the wallet. We try to transfer money from our Apple Pay to our bank and it said add a card. Even when we keep trying to add the card (the card that is already in the wallet) it says card is already in the wallet. But we can’t choose it to transfer to bank.

Are you referring to Apple Cash? Apple Pay and Apple Cash are two entirely different things. Apple Cash is a prepaid debit card issued by Green Dot Bank. Apple Pay is a secure, encrypted service that transmits data.

Sorry Jeff. It was Apple Pay. After checking the addresses, Face ID and password settings, I followed your steps to fully delete the card as a payment method and to add it again. I did not select use previous card and manually entered the card. Now we are able to use the transfer to bank function again.

Hi Jeff,

if my card hasn’t changed, my phone hasn’t changed and it has been working for a long long time. The only thing that’s changed is the latest iOS update. Why would it suddenly be a bank issue?

This is happening to me. That’s why I came for answers. My card has been on my Apple Pay and I’ve been transferring money to my account from my card. I went to transfer today and it says, add a card. My card and bank account has been there. I was making sure it wasn’t me but obviously something happened after that update. My phone started running slow and my website was asking me to update something. These things happened right after I updated.

spiritual160 — your issue is unrelated to invalid card issue being discussed in this thread. Maybe create new thread for your specific issue and more people will see it.

That is great news! I’m so glad to hear you were able to resolve the issues to your satisfaction. I hope you have a Happy Holiday!