Your phone is likely not paying because of disabled NFC, an locked device, or a banking error. Ensure NFC is enabled, the phone is unlocked, and check that your card is not expired or declined. Common fixes include restarting the phone, updating the app, or repositioning it over the terminal.
If your phone doesn't meet security requirements, you can't make contactless payments. Use a device that runs an original version of the Android operating system.
Transaction type non-unauthorized on the card: this means that your bank does not authorize this type of transaction. Incorrect payment information: your payment card was added with incorrect information (For example, you may have changed your phone number and couldn't receive the one-time password from your bank).
Payment issues often stem from incorrect card or ID information, poor internet connection, or app glitches. Ensure all details match exactly as on your debit card and ID. Use a secure, stable Wi-Fi or cellular network. Clear the app cache or restart the device to fix temporary bugs.
Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.
Declined payments
You might not have enough funds in your account to make the payment. Check your account balance or contact your bank.
Change the Payment Method or Card
If your payment information is outdated or incorrect, in-app purchases won't work. Make sure your credit card or payment method is updated and working. You can easily update your payment method in your iPhone's settings to avoid this issue.
Remove or update expired cards
Find the payment method you are trying to use for the purchase. Check the expiration date of the payment methods listed. Remove or update any expired payment methods.
Make sure you have enough money in your account for the purchase. If you're still having issues, contact your bank to find if there's a problem with your account. Try making the purchase again with a different payment method.
Incorrect UPI Details (VPA or UPI Number)
Customers may enter a wrong UPI ID (VPA) or inactive UPI number, leading to failed or declined payments. Features like Validate VPA and UPI Number Validation ensure that customer details are accurate and active before initiating a payment.
Tap to Pay not working usually stems from phone settings (NFC off, locked screen), physical obstructions (thick case), expired/invalid card, merchant issues, or app glitches, requiring you to unlock your phone, remove/re-add cards, check NFC settings, update the app, or restart your device to resolve.
Make sure your card is activated for contactless payments, check if it's damaged, and ensure you haven't exceeded the transaction limit. If all else fails, use chip and PIN instead. Why isn't my tap card working? Your tap card might not work if it's damaged, dirty, or has reached its contactless limit.
See if your Face ID or Touch ID is the issue
One possible problem is if your Face ID or Touch ID isn't working properly. You can check this by switching these services off, and trying to make the Apple Pay payment again. Head to Apple's Settings app, and then look for Touch ID & Passcode, or Face ID and Passcode.
Check to find out if your payment method is up to date. If it isn't, update it in the payments centre, then try your purchase again. Make sure that you have enough money in your account for the purchase. If you're still having issues, contact your bank to find out if there's a problem with your account.
Common error messages, like "Your card has been declined" or "Invalid expiration date," indicate specific reasons for payment failures, helping merchants address issues quickly. Payment failures can happen due to unsupported methods, insufficient funds, or technical issues.
If you have questions about why your card is declined, contact your bank or card issuer. To use Apple Pay you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer. Apple Pay is not available in all markets.
If you can't make purchases or update apps, including free apps, update your payment method or add a new one. If you've already verified that a payment method is available in your country or region and you're still experiencing issues, contact your financial institution. Payment methods are subject to change.
You can check with your credit card issuer to make sure. Test out a transaction. You can simply try to use the card and see if it declines. If it's rejected, it could be expired or inactive.
Incorrectly entered card details are one of the most common reasons card transactions fail. When making a purchase online using a browser or mobile app, it's easy to add an extra digit, incorrect security code or expiry date. If there isn't an obvious numerical error, the billing address may be outdated.