How To Unlock Apple Pay [Ultimate Guide]

Digital payments are becoming increasingly popular, and no one now carries a physical wallet. Apple quickly recognized this and launched its wallet.
how to unlock apple pay

Digital payments are becoming increasingly popular, and no one now carries a physical wallet.

Apple quickly recognized this and launched its digital wallet, Apple Pay. It enables you to conduct all transactions digitally by storing all of your credit cards.

If your Apple Pay is locked, you must finish the verification process to unlock it. However, several users have raised the issue of Apple Pay being locked by Apple for security reasons and to comply with regulations.

If you repeatedly enter incorrect information during identity verification, your Apple Pay account may be restricted or locked. That said, in this article I will give you complete guides on how to unlock Apple Pay.

Read Also: How To Unlock Android Phone Password Without Factory Reset

Why Is My Apple Pay Locked?

The purpose of Apple Pay locking is to keep your account safe and secure. It is also locked to protect the device from spam that may occur when using Apple Pay.

It may be locked if you violate the company's rules or policies. 

If your Apple account is locked, you will be unable to make purchases or send or receive money through it.

Until you verify your account, it is locked in a non-permanent or provisional state. If it is still being reviewed or if it does not work, you must contact Apple support.

Your account may be restricted as a result of the following circumstances:

1. Age Criteria

If you are under the age of 18, your parents have the authority to restrict or lock your Apple Pay account because they are your guardians.

As a result, you will be unable to send or receive money or make purchases.

2. Verification 

If you have more than $ 500 in Apple Pay transactions, you must have your account verified.

3. Fraud Suspected

If there is a suspicion of fraud, Apple may also lock your account. For example, if you suspect unauthorized use of your account.

4. Termination Of ID

One of the reasons for the suspension of Apple Pay could be the termination of Apple ID.

5. Objectionable Activity

If you are suspected of using Apple services for illegal or objectionable purposes, Apple has the right to lock or restrict your Apple Pay account.

Green Dot Bank and Apple payment incorporation provide Apple cash services, and they reserve the right to reduce, suspend, or terminate your Apple pay or use of the services for the reasons stated above.

Read Also: How to Bypass Apple ID Verification

How to Unlock Apple Pay?

The solution listed below will help you to resolve the problem, and if this method doesn’t work, I recommend moving on to its proceeding section. Let’s start with the fix.

Fix 1: Verification Of Identity

On iPhone 

If your Apple account needs identity verification to lock out your Apple pay, Follow the procedure or process to unlock it.

You need to open your wallet app, which is Apple pay. Then, Click on the Cash Card. Click the add button, and you will get the apple card option there. Click on it.

Scroll down to Physical Card, tap Unlock Card, and then work according to the instructions given on the screen. 

Enter the password whenever asked.

On iPad

You must first launch the settings app on your device.

Scroll down and select Wallet and Apple Pay.

From the add button, select the Apple card.

Tap on Unlock Card under the physical card, and then follow the instructions given to you based on the issue or problem to be resolved.

Enter and type a password to confirm it.

Select the option for identity authentication and follow the instructions.

Always remember to enter accurate information all at once. Otherwise, you may run into problems later.

You may be asked to provide your social security number, date of birth, and address for verification.

If Apple Pay remains locked, check to see if you entered incorrect information when prompted to verify and enter accurate information, or contact or communicate with Apple support.

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Fix 2: Communicate With Apple Support

If you are unable to resolve the issue or problem, you can contact Apple support. Go to and look for a section dedicated to Apple Pay issues.

Make contact with the advisor. Share the issue with care and request a solution. 

Can You Still Use Apple Pay If Your Card Is Locked?

If your card is locked, you cannot use Apple Pay. You will be unable to make any transactions from your application using that card.

When you unlock your card, you can resume your previous transactions.

Does Apple Pay Work If the Card Is Blocked?

No, if a card is blocked or suspended, Apple Pay will not work. If your card is blocked, your Apple Pay transaction may be declined.

However, even if your Apple card is temporarily blocked, you can still use your device to make payments or transactions.

When the card is lost, it causes a temporary block. If you find your missing card, the temporary block can be removed and replaced.

The service is not disabled during the procedure described above. Contactless payments will be possible.

Why Is My Apple Pay Restricted In Messages?

When you repeatedly type an incorrect password during the authentication process, your Apple Pay account is restricted in messages.

If many of your Apple Pay accounts are linked to the same security code, or if they suspect spam in your account, or if you fail to work in accordance with the company's rules, regulations, and policies. It will indicate that Apple Pay is restricted in messages.

If your Apple Pay account is still restricted, you can transfer your money to your bank account. It differs from the locked case, in which you cannot even send the payment.

When your Apple Pay is restricted, it has different functionality than when it is locked.

You cannot transfer cash, add or make purchases, or receive money or cash if your Apple Pay account is locked, but you can transfer cash to your account if your account is restricted.

Read Also: How to Install AltStore on iPhone and Sideload iOS IPA Files

How To Unlock Apple Pay After Lost Mode?

Steps To Unlock Apple Pay After Lost Mode:

Step 1: Visit

Tap on all of the devices at the top of the screen. You will find options for all of your devices. Then, simply click on it.

Step 3: Select The Device That Is In Lost Mode

Explore the device in lost mode and look up its name to enable it.

Step 4: Tap On Lost Mode

Select the option to stop lost mode by clicking on lost mode.

Step 5: Sign-In Again

You will be prompted to enter your credentials again now that you have disabled the Lost mode.

You can use your Apple Pay or other payment or transaction cards once the lost mode is disabled. 

Read Also: Best iCloud Bypass Tools

Conclusion on How to Unlock Apple Pay

If your Apple Pay is locked for any of the reasons listed above, you can try the authentication process again, but keep in mind that you cannot transfer your balance while Apple Pay is locked.

Your last resort could be to contact Apple Support and Advisors. Chat with online bots and get help to solve your problem.

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