What is needed to verify Apple Pay?

Asked by: Morris Feeney  |  Last update: October 25, 2025
Score: 5/5 (19 votes)

When adding your card from within the app or in the Apple Wallet by choosing the 'Available Cards' option we will send you a SMS Protect Code to your registered mobile number and ask you to enter this. This will verify you are the owner of the cards being added to Apple Pay.

How do I verify my Apple Pay?

Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card. Scroll down, then tap Verify Identity, then follow the on-screen steps. If you don't see Verify Identity, you've already verified your identity.

Why does Apple Pay keep saying verification required?

The leading cause for the 'Verification Required' message on your iPhone is a faulty credit card. To get rid of the issue, you have to change your Apple ID payment method.

How do you authenticate Apple Pay?

This involves verifying that the user has confirmed their intent to pay and that the user has authenticated themselves using one of the following methods:
  1. Biometric authentication.
  2. Device passcode or password.
  3. Double-clicking the side button of an unlocked Apple Watch.

How do I activate Apple Pay?

Set up Apple Pay on your Apple device.
  1. iPhone. Open the Wallet app. and tap to add a card.
  2. iPad. Go to Settings. Wallet & Apple Pay. and tap Add Card.
  3. Mac. On models with Touch ID, go to System Preferences. Wallet & Apple Pay and. tap Add Card.

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18 related questions found

What is the difference between Apple Pay and Apple Wallet?

What is the difference between Apple Pay and Apple Wallet? Apple Pay is a safe way to pay and make secure purchases in stores, in apps, and on the web. Apple Wallet is the place where you store your credit or debit cards so you can use them with Apple Pay.

Can I activate Apple Pay without card?

Apple Pay is a digital wallet service created by Apple that makes paying with your iOS device simple and easy. To get started, you'll usually need a valid debit card. If you don't have one, you can use a supported prepaid card! Once your prepaid card is added, you can send and receive money with friends.

Can you use Apple Pay without a verifying card?

Can I use Apple Pay without verifying my card? Yes, you can certainly receive money in your Apple Pay account without verifying or linking a card. Sending money is also possible, but there is a limit to this if you have not yet verified a card with your Apple Cash Wallet.

Why is my Apple Pay not working?

Check that you're able to use Apple Pay: Contact your card issuer to see if they support Apple Pay. Update to the latest version of iOS, watchOS, macOS, or visionOS. Confirm that you have Face ID, Touch ID, Optic ID, or a passcode set on your device.

How do I authenticate my Apple account?

On your iPhone go to Settings > [your name] > Sign-In & Security. Tap Turn On Two-Factor Authentication, then tap Continue. Enter a trusted phone number (the number you'll use to receive verification codes), then tap Next. A verification code is sent to your trusted phone number.

How do I fix Apple asking for verification?

Sign out and Sign into Apple ID in Settings. Most problems related to the Apple ID can be resolved by signing out and signing into. When you encounter the "Verification Required" message on your iPhone, you can try to log out of your Apple ID on your iPhone first, then you can log into your Apple ID again.

Who do I contact about Apple Pay?

Please call 1-800-MY-APPLE and speak to an Apple Specialist for more information.

How do I stop Apple Pay from asking for verification?

To stop the App Store from asking for verification, you can apply the following solutions:
  1. Check the unpaid balance.
  2. Change or update payment method.
  3. Disable App Store purchase restrictions.
  4. Re-sign into Apple ID.

Why does my Apple Pay say verification required?

When adding your card from within the app or in the Apple Wallet by choosing the 'Available Cards' option we will send you a SMS Protect Code to your registered mobile number and ask you to enter this. This will verify you are the owner of the cards being added to Apple Pay.

Does your bank have to verify Apple Pay?

Again, neither Apple nor your device sends your actual payment card number. Before they approve the payment, your bank, card issuer, or payment network can verify your payment information by checking the dynamic security code to make sure that it's unique and tied to your device.

How do I verify my payment method on Apple Store iPhone?

If you need to change or update your Apple Account payment method
  1. Open the Settings app.
  2. Tap your name.
  3. Tap Payment & Shipping. ...
  4. If you need to update the billing information of an existing card, tap the payment method, then tap Edit.
  5. Enter your new billing information, then tap Done.

What would cause Apple Pay not to work?

The most common issue with paying with an iPhone is choosing a card that is incompatible with the system and does not support Apple Pay. So, first of all, make sure your card supports Apple Pay. However, some other issues can also cause malfunctions: There's not enough memory on the device.

How to verify card for Apple Pay?

Select a verification method, either by email, text or call and enter the verification code when prompted. Then click "Next." Your bank or card issuer will verify your information and once your card is verified, tap "Next" to start using Apple Pay.

Why is Apple Pay declining even though I have money?

Some possible reasons for why the transaction is declining even though the digital card still appears in the Apple wallet include: Your card has been temporarily locked. Your card or the transaction account has insufficient funds or limit for the transaction. An incorrect card PIN has been entered at the terminal.

How to activate Apple Pay?

How do I activate Apple Pay in Wallet on iPhone?
  1. Open the Wallet app on your iPhone.
  2. Tap "+" in the top right corner.
  3. Scan the bank card, check the information and enter the expiry date and security code.
  4. Read the general terms and conditions and tap "Agree".

Why is Apple asking for my SSN for Apple Pay?

To help protect your identity, you may be asked to provide additional information for verification, such as uploading the front and back of your government-issued identification, providing your full SSN, or entering a verification code sent to a phone number that Apple's identity verification service provider has ...

Is Apple Pay the same as Apple Wallet?

Apple Pay and Apple Wallet are related parts of the same system–the one that lets you pay for items both in person and online with your iPhone, Mac, or Apple Watch. But while Apple Pay is the name of the whole digital payment option, Wallet is the app on your phone that stores the cards you use there.

How do I verify Apple Pay without power button?

On an iPhone with Face ID, you can also use AssistiveTouch or use Switch Control to confirm payments with Face ID instead of double-clicking the side button.

Is Apple Cash the same as Apple Pay?

The biggest difference between Apple Pay and Apple Cash is in funding sources. Apple Cash transactions employ the Apple Cash card's balance or funds from a connected banking account. In turn, the credit or debit cards linked to the Wallet app are used for Apple Pay transactions.