Why is contactless payment not working?

Make sure that your Google Wallet app is up to date . Learn how to update apps on Android. Make sure that your Android version is 9 or above. Make sure that Google Play Services are up to date.

Why does my contactless card keep declining?

Payments may be declined because: Your bank has declined a previous transaction and your card/device is blocked . Your bank hasn't approved the transaction. The card has not had a chip and PIN transaction for a period of time.

Why is my tap and pay not working on my card?

Try a different payment reader . Confirm that the store accepts mobile payments. Contact your bank to find out if there's an issue with your card. Try a different payment method.

What are the problems with contactless cards?

Safety Concerns About Contactless Cards Short-range skimming. The technology behind contactless cards is based on a short-range radio frequency identification (RFID) antenna, that only transmits digital data within a very small range. ... Duplicating cards. ... Lost or stolen cards. Nov 10, 2022

Why is NFC not working?

Check the default payment app If your NFC payments aren't working, you can check the selected default app. Step 1. Go to Settings > Connections > NFC and contactless payments.

What are the contactless payment solutions?

Contactless payment is a secure payment method using a debit or credit card, smartcard, or another payment device by using RFID technology and near-field communication . To use the system, a consumer taps the payment card near a point-of-sale terminal equipped with the technology.

How do I get my tap pay to work?

Check your tap to pay set up Near field communication (NFC) must be turned on. To make a tap-to-pay transaction with a card in your Google Wallet, Google Pay should be set as your default payment app. Add a contactless payment method. Set up a screen lock. Your phone must meet the security requirements.

Why is my tap declining when I have money?

There are several reasons why a debit card may be declined even if you have money in your account. Common reasons include travel and reaching your daily purchase limit . Stay on top of your cards and consider using budgeting apps to help avoid debit card denial.

What stops contactless cards working?

Your contactless card may not work if the merchant you've visited doesn't have the correct card reader , for example, or if you haven't yet activated the card, among other reasons.

How do I get my contactless card to work?

The first time you use your contactless card for a transaction, you'll be asked to use chip and PIN or sign for your purchase. Once you've done that, all future transactions can be contactless. You need to hold your card very close to the reader (around 2 – 4 centimetres) for it to work .

What is the disadvantage of contactless payment?

Because contactless payments require neither PIN nor signature authorisation, lost or stolen contactless cards can be used to make fraudulent transactions .

Why does my contactless not work on my iPhone?

Tap Download and Install if there is an update available. Step 2: Check if the card you are using is supported by Apple Pay and the merchant . Some contactless cards may not be accepted by certain terminals. You can also try switching to a different card in your Apple Wallet and see if that works.

Why is my card failing to pay?

Most declines fall into two categories: Soft declines – Card declined due to issues with transaction processing . The bank issuing funds approves the payment, but the transaction breaks down during the processing stages. Hard declines – Card declined by the bank due to lack of funds or outdated card information.

Fix problems with pay contactless transactions (2024)

If you can't complete a contactless payment, use these steps to help you solve the problem.

Step 1: Update your app and Play Services

Make sure that your Google Wallet app is up to date. Learn how to update apps on Android.
Make sure that your Android version is 9 or above.
Make sure that Google Play Services are up to date.

Step 2: Check your pay contactless setup

Open the Google Wallet app .
At the top right, tap your profile picture or account Pay contactless setup.
Check if you're ready to make contactless payments. To pay contactless with Google Wallet:
- Near field communication (NFC) must be turned on.
- To make a pay-contactless transaction with a card in your Google Wallet, Google Pay should be set as your default payment app.
- Add a contactless payment method.
- Set up a screen lock.
- Your phone must meet the security requirements.

If all these requirements are met, your phone is ready to make contactless payments.

Step 3: Make sure that your device supports NFC

On your device, open the Settings app.
In the search bar, type 'NFC'.
Turn on Use NFC.
- If you can't find NFC, you can't make contactless payments with your phone.

Step 4: Check the secure NFC setting

If the contactless setup shows that you can pay with your phone but you can't make small payments with your screen locked, check the secure NFC setting. If secure NFC is on, you can only make payments with your phone when your screen is unlocked.

On your device, open the Settings app.
Tap Connected devices Connection preferences NFC.
Turn off Require device unlock for NFC to make small payments when your phone is locked. If this setting is on, you must unlock your screen for every NFC transaction.

Step 5: Try again with these tips

Make sure that your phone is awake and unlocked.
- Google Wallet doesn't work with 2D face unlock or screen locks like Smart Unlock or Knock to Unlock.
Hold your phone in a different way. Your NFC antenna could be near the top or middle of your device.
Hold your phone closer to the payment reader.
Hold your phone close to the payment reader for a few more seconds.
Move your phone out of range of the payment reader for a few seconds and try again.
If the payment doesn't go through, find the NFC sign on the terminal or ask a cashier for help.

Fix other issues

Your phone isn't certified or doesn't meet security requirements

Check if your software is Play Protect certified.
If you could previously make contactless payments with Google Wallet but no longer can, contact your device manufacturer. There may have been a software update that affects functionality.
If you've modified your phone, make sure that it meets security standards. Google Wallet may not work in shops with phones that:
- Run developer versions of Android.
- Are rooted, run a custom ROM or have modified factory software. Due to security risks, Google Wallet doesn't run on these phones.
- Are untested and haven't been approved by Google.
- Have an unlocked bootloader.

Tips:

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.
If you've installed a modified operating system on your phone, before you can make contactless payments, you must reinstall your phone's original operating system.
- If not, your device manufacturer's software may not meet Google security requirements.
- For more info, contact your device manufacturer.

If you still need help

Tips:

Try holding your phone at the terminal for a few more seconds. If you can't find the contactless payment icon on the reader, ask a cashier for help.
If you tried to make a small payment with your phone locked, unlock your phone and try again.
For some transactions, you may need to unlock your phone several times.

Send feedback

To send feedback and report technical issues through the app:

Open the Google Wallet app .
At the top right, tap your profile picture or account Help and feedback Send feedback.
To submit your feedback, follow the on-screen instructions.
To give more info, tick the 'Send logs' box.

We may not always be able to respond to your feedback, but that doesn't mean it wasn't reviewed.

Need more help?

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