Fix: Error “Apple Pay Services Are Currently Unavailable”

The message “Apple Pay Services Are Currently Unavailable” was encountered by numerous users. The problem is reported whether someone applies for an Apple Pay account, adds a card, or uses Apple Pay or Apple Pay Cash to make a payment.

The current Apple Services unavailability issue may have several reasons, however, the following can be considered the primary ones:

Network Restrictions: If a user’s network (cellular or Internet) prevents Apple Pay from accessing its servers, then the user may not be able to use Apple Pay services.

Problem Under Consideration: Apple Pay Services Are Currently Unavailable

Incorrect Regional Settings on the iPhone: The current Apple Pay issue may arise if the iPhone’s region is set to one in which Apple Pay is not supported.

VPN or Ad Blocker Interferences: The present Apple Pay services may be affected if a VPN or Ad blocker is interfering with the server-client communication of Apple Pay.

Mismatching User Information Between the Apple ID and iPhone: The problem under consideration may arise if there is an inconsistency between the user information (such as the user’s middle name) on the Apple ID on the Apple website and the data on the iPhone.

Turn off and restart the iPhone

Restarting the phone could resolve the current Apply Pay issue, which could be a momentary iOS malfunction. Make sure the services for Apple Pay, Apple Card, and Apple Pay Cash are operational first, though.

1. On the iPhone, press and hold the power button.
2. To turn off the iPhone, slide the power slider when it appears.
3. After the phone has turned off, wait and then press and hold the power button until the Apple logo appears.
4. Once the iPhone has been turned on correctly, see if the issue with Apple Pay has been resolved.
5. Make sure a disabled daemon such as Passbook One (particularly one connected to Apple Pay) in Cleaner isn’t the cause of the problem if it’s happening on a jailbroken iPhone.

Try Using a Different Network

Restrictions on the network being used may be the cause of the Apple Pay services problem (for example, a workplace network limiting access to a resource necessary for Apple Pay to function). Attempting a different network might resolve the issue.

1. Now see if the issue with Apple Pay services has been resolved.
2. Take the iPhone off of its present network (cellular, for example) and link it to a different network (Wi-Fi, hotspot from another phone, etc.).

Modify the iPhone’s Regional Settings

Apple Pay services are restricted to specific areas or nations, so if your iPhone is set up differently, that could be the reason it isn’t working. In this instance, the issue might be resolved by adjusting the iPhone’s regional settings.

1. Choose General.
2. Now select the Region by tapping on Language & Region.
3. Choose the appropriate area (such as the USA) and press the Done button.
4. Check to see whether the unavailability of Apple Pay Services has been fixed now.
5. Verify if Apple Pay is accepted in your nation or region if that does not solve the problem.

Enable the Apple Wallet’s Cellular Data.

The Apple Pay Services are currently unavailable problem may arise from communication issues caused by the Apple Wallet not being set up to use the iPhone’s cellular connectivity. In this case, the issue might be resolved by allowing the iPhone’s cellular data for the Apple Wallet.

Open Cellular from the iPhone Settings app.

After that, relaunch the troublesome Apply Pay procedure to see if it is functioning properly and activate Apple Wallet by flipping its switch to the on position.

1. Turn off the iPhone’s VPN.
2. The Apply Pay module may not work properly if the iPhone is set up to utilize a VPN to access the Internet since Apply Pay uses the iPhone’s physical location to process payments. In this scenario, turning off the VPN on the iPhone might be the solution.
3. Open the Settings app on your iPhone, then choose General.
4. Switch the Status slider to the Off position after opening the VPN.
5. Check now to see that the relevant Apply Pay modules are operating properly.

Disable the iPhone’s ad blocker.

Apply Pay services could not be available if the iPhone’s ad blocker is interfering with Apple Pay’s and its servers’ client-server communication. In this case, turning off the iPhone’s ad blocker might fix the issue.

1. Open the Settings app on your iPhone. Open Content blocks now, and turn off all content blocks.
2. Next, see if Apple Pay is operating properly.
3. Refresh PRL to Reset the iPhone’s Connection to Cell Towers

A wireless device, such as a cell phone, has a database called the PRL (Preferred Roaming List) that stores the information utilized throughout the system selection/acquisition process. The current Apple Pay problem could be caused by a corrupted PRL database on the iPhone since Apple Pay uses the Near Field Communication (NFC) chip to send payment information to another device, particularly a retail terminal.

In this case, the issue might be resolved by refreshing the PRL on the iPhone in order to reset its connection to the cell towers. Remember that different network providers have different procedures and codes for updating a phone’s PRL database; we will talk about Sprint’s procedure for example.

1. Enter the following code into the iPhone’s dialer.
2. ##873283#
3. Press and hold the Call button until the procedure is finished. Following the completion of the process, you might notice a notification.
4. Next, see if the Apply Play services‘ unavailability issue has been resolved.
5. Return the iPhone’s settings to their original state.

Sometimes the Apply Pay services unavailable issue is just the result of a simple iPhone setting error. Here, the Apply Pay issue could be fixed by returning the iPhone to its original settings. Remember that you might need to reenter certain settings (passwords, screen lock codes, etc.), so be sure to write these down. Go into Settings on your iPhone and choose General.

1. Select Reset All Settings after opening Reset.
2. After you’ve confirmed that the iPhone settings have been reset, see if the availability of the Apply Pay services has been fixed.

Turn off and then turn on Apple Pay Cash.

Another possibility for the problem being discussed is a transient fault in the Apple Pay Cash modules. In this scenario, turning off and back on Apple Pay Cash can fix the issue.

1. Start the iPhone Settings app, then select Apple Pay and Wallet.
2. Turn off Apple Pay Cash now, and then do the same to turn off Apple Pay Cash on all other devices that are connected (iWatch, iPad, etc.).
3. Next, confirm that the Language and Region configurations are accurate (as previously said).
4. Now turn on Apple Pay Cash after restarting the iPhone to see if the problem has been fixed.

Modify the Apple ID Details

If the Apple ID information on the iPhone and the Apple website differ, you can run into the issue. Here, the issue may be resolved by changing the Apple ID details to correspond with the data.

1. Launch a web browser on a PC and steer to the Apple ID page of the Apple website.
2. Now check if the information in the Personal Information tab and Payment Methods matches on the device.
3. Then open Name in the Personal Information tab and remove any entry in the Middle Name (Optional) field.
4. Afterward, head to the Payment Methods tab and open Manage Payment Method.
5. Verify that the data matches the profile now. Remember to remove the information from the zip data column.
6. Next, save your edits and proceed to the iPhone, making sure not to exit the PC website.
7. Now select your name from the list of names at the top of the iPhone Settings by tapping on it.
8. Next, confirm that the name and phone number on the website match the information.
9. Check to see if the iPhone no longer has the Apple Pay Services problem.

Re-add Credit Cards using Apple Pay

If you are having trouble adding a card to Apple Pay, it could be due to a momentary error on the part of the Apple servers (such as the card’s incorrect expiration date being recorded there). Here, the issue might be resolved by re-adding the card after a 24-hour wait (the Apple servers’ cached data can be erased after that time). Please take note that failing to add an Apple Card to your iPhone Wallet can also result in unsuccessful attempts to use Apple Pay. Adding the card to your Wallet could resolve this issue.

1. Go into Settings on your iPhone and select Wallet & Apple Pay.
2. Now, if there is a problematic card, select it and click Remove This Card.
3. Then confirm to remove the account and restart the iPhone.
4. Upon restart, do not add back the card but wait for at least 24 hours.
5. After 24 hours, open the Wallet & Apple Pay in iPhone Settings and tap on Add Credit or Debit Card.
6. Now, if the previous card is shown, do not tap on it but tap on Add a Different Card.
7. Next, choose Manually Enter and input the card information. Make sure to remove any previous card entries that may be displayed (such as incorrectly cached card expiration dates).
8. Verify that Apple Pay is operating properly after the card has been readded.

Log back into iCloud

Re-logging into iCloud may resolve the issue with Apple Pay services, which could be caused by a transient bug.

Caution:

Note that there have been cases where users lost access to all of their cards in Apple Pay and were unable to sign back into iCloud on their iPhones; therefore, proceed at your own risk.

1. Open the Settings app on your iPhone, then choose iCloud.
2. To sign out of the iCloud, tap Sign out now and confirm thereafter.
3. Then tap on Delete from My iPhone and tap on Turn Off/Delete from My iPhone.
4. Now wait for 2 minutes and then power off the iPhone.
5. Afterward, power on the iPhone and log into the iCloud.
6. Now check if the Apple Pay problem is cleared.
7. whether the problem still arises, see whether turning off 2FA on the Apple ID (which isn’t compatible with the newest Apple products) helps.

Take the iPhone back to its original settings.

If the problem still exists after attempting all of the aforementioned fixes, the phone’s corrupted iOS may be the cause of the reported Apple Pay Services issue. In this situation, returning the iPhone to its factory settings—which isn’t always a graceful fix—might fix the issue.

1. First and foremost, be sure to backup all of the iPhone’s important information.
2. Open the iPhone Settings now, then choose General.
3. After that, select Reset All Content and Settings by tapping on it.
4. Press and hold the Erase iPhone button until the phone returns to its factory settings.
5. After that, you should be able to resolve the Apple Play Services issue with your iPhone.
6. Whether not, see whether you can fix the issue by restoring the iPhone to a previous iOS version or an earlier iTunes backup.

If the issue persists, then check with the card’s issuer bank if the card is working fine. Sometimes a user may have to authenticate a previous transaction marked shady by the bank and till then, the bank does not process further attempted payments. If that did not work, then get the iPhone checked for a hardware error (a failing secure element may cause the problem at hand).

FAQS

How do I fix Apple Pay services that are currently unavailable?

possible issues,

1. all iPhones must be iOS 14.6 or higher.
2. turn off VPN.
3. log out and into your Apple ID.
4. Ask participants and/or Co-owner to log out and into their Apple ID.
5. make sure you and the participants are currently in the US.
6. make sure Participants and Co-owners have Apple Cash set up in Wallet App.

How do I fix the Apple Pay error?

Here are some straightforward, actionable tips to get a malfunctioning Apple Pay working again.

1. Verify the POS System. …
2. Restart Your iPhone. …
3. Check the System Status of Apple Pay. …
4. Set Up Apple Pay Again. …
5. Manually Select Your Card. …
6. Remove Then Re-Add Your Credit Card. …
7. Check Your Address and ZIP Code. …
8. Recheck Push Notifications.