How do I turn on accept or decline on Apple Pay?

Asked by: Janick Schmitt III  |  Last update: May 20, 2026
Score: 4.5/5 (11 votes)

To turn on manual "Accept or Decline" for incoming Apple Cash payments, open the Wallet app, tap your Apple Cash card, select the More button (three dots), tap Card Details, and choose Manually Accept Payments. When this is on, you must manually accept incoming money in the Messages app within 7 days.

How to turn on accept or decline Apple Pay?

Open the Wallet app, then tap your Apple Cash card. Tap the More button , then tap Card Details. Tap Manually Accept Payments or Automatically Accept Payments.

How do I set up to accept Apple Pay?

How do I accept Apple Pay at my business?

  1. Get a new NFC-enabled payment terminal that accepts contactless payments like Apple Pay. ...
  2. Set up your new reader. ...
  3. To accept payments, have customers hold their iPhone, iPad or Apple Watch near the reader until four green lights appear and a chime sounds.

How to change Apple Pay to automatically accept?

You can choose to automatically or manually accept payments. Go to Settings > Wallet & Apple Pay, then tap Apple Cash. Choose to automatically or manually accept payments.

How do I accept a request on Apple Pay?

If you see Accept in the message, tap it. If this is the first payment that you've received or if you turned off the setting to automatically accept payments, then you need to tap to accept the money. Tap Settings > Wallet & Apple Pay, then make sure that you turned on Apple Cash.

Your Payment Method Was Declined Update it or Provide a New Payment Method and Try Again | iOS 15

17 related questions found

Can you decline Apple Cash?

If you tap "Accept" here, the money's yours. If you don't want it, for whatever crazy reason it is, select "Reject Payment" instead toward the bottom of the page and the money will remain with the sender. Accepting payments is only one of many things you can do in Apple Pay Cash person-to-person payments.

How to accept an Apple Pay invitation?

On your iPad, tap the invite notification or open the Settings app > Wallet & Apple Pay. Under Pending Invitations, tap Apple Card to accept the invite.

How to change Apple Pay in settings?

Change your default card, address, and preferences for Apple Pay

  1. Go to the Settings app on your iPhone.
  2. Tap Wallet & Apple Pay, then tap Apple Pay Defaults.
  3. Set any of the following: Transaction defaults: Set the default card, your shipping address, email, and phone number.

Is there a difference between Apple Wallet and Apple Pay?

No, Apple Pay and Apple Wallet aren't the same, but they work together: Apple Wallet is the app (your digital container) that stores your credit/debit cards, loyalty cards, tickets, and passes, while Apple Pay is the technology/service that uses those cards in the Wallet to make secure, contactless payments in stores, online, and in apps. Think of the Wallet as your physical purse and Pay as the tap-to-pay function. 

Can everyone accept Apple Pay?

Apple Pay is accepted at over 85 percent of retailers in the U.S., so you can likely use it wherever and however you want. If you're not sure, just ask.

How can I accept payments on my iPhone?

To set up Tap to Pay on iPhone, enable it in the payment app of your choice. To accept a payment, open the app, enter the amount, and present your iPhone to your customer. To pay, the customer holds their card horizontally or places their device directly over the payment symbol.

How to fix declined Apple Pay?

If a payment card that you use with Apple Pay is declined when you try to make a purchase, contact your bank or card issuer. All Apple Pay transactions are routed to card issuers for approval.

How does accepting Apple Pay work?

With Tap to Pay on iPhone and a supported app, you can accept in-person, contactless payments, right on your iPhone — from physical debit and credit cards, to Apple Pay and other digital wallets — no extra terminals or hardware needed. It's easy, secure, and private.

Why is my recipient unable to receive money on Cash App?

Cash App says "recipient unable to receive payment" due to issues like the recipient's account being unverified or having hit limits, security blocks on suspicious activity, poor internet, an outdated app, or a blocked connection between you and the recipient, requiring checks on verification status, limits, security settings, and app updates. 

Is there a fee to use Apple Pay?

There's no cost to use Apple Pay. Your usual wireless carrier fees may apply. Your standard fees associated with the use of your physical credit or debit card also apply.

Is Apple Pay safer than a card?

Yes, it is. Apple Pay is safer than using a physical card because it uses biometric data to make purchases. Also, Apple Pay doesn't share any of your actual information with the companies you buy from using Apple Pay.

What's the difference between Apple Pay and Apple Wallet?

No, Apple Pay and Apple Wallet aren't the same, but they work together: Apple Wallet is the app (your digital container) that stores your credit/debit cards, loyalty cards, tickets, and passes, while Apple Pay is the technology/service that uses those cards in the Wallet to make secure, contactless payments in stores, online, and in apps. Think of the Wallet as your physical purse and Pay as the tap-to-pay function. 

Why can't I edit my payment method on Apple settings?

If you can't add a payment method

If you're using an accepted payment method but your Apple Account is set to a different country or region, change your country or region. If the Add button is grayed out, you might be in a Family Sharing group and you use purchase sharing.

How to configure Apple Pay in System Settings?

To change these settings, choose Apple menu > System Settings, then click Wallet & Apple Pay in the sidebar. (You may need to scroll down.) You can add a card using your computer's camera or by typing the card information. Click Add Card, then follow the onscreen instructions.

How to make Apple Pay accept?

To accept Apple Pay as a business, enable "Tap to Pay on iPhone" in a supported payment app (like Stripe, Square, Adyen) to use your iPhone as a terminal; for personal money sent via Messages, accept it in the Wallet app by setting up Apple Cash, choosing manual or automatic acceptance in the card details, and confirming the payment in Messages or the app as needed. 

How to enable request on Apple Pay?

Use Messages to request a payment

  1. Open a conversation in the Messages app or start a new conversation.
  2. Tap the plus icon. , tap Apple Cash, enter the amount, then tap Request.
  3. Tap the Send button. to request the payment.

How to not accept Apple Pay from someone?

Open the Wallet app on your iPhone, tap your Apple Cash card, then look for the payment in Latest Transactions. Tap the payment, tap the payment again, then tap Reject Payment.