Why is My Tap to Pay Not Working and What to Do

If your tap to pay isn't working, it's probably because the contactless payment limit has been exceeded. This is a common issue that can be easily resolved.

The contactless payment limit varies by country and by card issuer, but in the UK, it's £100. If you've made several small purchases, you might have accidentally exceeded this limit.

Make sure you have enough funds in your account to cover the purchase amount. A low balance can prevent tap to pay from working.

Check your phone or wallet for any issues with the tap to pay functionality. A software glitch or a faulty reader can also prevent tap to pay from working.

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If you're experiencing issues with Apple Pay's tap to pay feature, you're not alone. Some users have reported that the feature has stopped working for them after about 3 months of use.

The problem seems to be specific to the tap to pay feature and not the double click feature for online purchases. For example, one user reported that their double click feature is fully functional, but the tap to pay feature is not working at all.

It's worth noting that the issue is not related to the user's Apple Pay account, as one user was able to verify that their credit card information is correct and working.

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Samsung Problems can be frustrating, but let's break it down.

Your Samsung Pay may refuse to work if it's not enabled on your device.

Make sure you've set up Samsung Pay correctly, or it won't work.

The card you're trying to use might not be compatible with Samsung Pay.

Your device's operating system or software might be outdated, causing Samsung Pay to malfunction.

If you're using a wearable, ensure it's connected to your device and Samsung Pay is enabled on it.

It's possible that your card issuer or bank is blocking Samsung Pay transactions.

Take a look at this: Does Samsung Have Tap to Pay

If you're used to holding your phone close to the card swiping area of terminals, you might be surprised that MST doesn't work anymore on newer phones.

Newer Samsung smartphones, starting from the Galaxy S21 series, don't support MST, so you can only use NFC for contactless payments. Most recent payment terminals support NFC, so you shouldn't run into any problems.

Just look for the contactless symbol and tap your phone there instead.

A unique perspective: How Does Tap to Pay Work on Phone

MST (magnetic secure transmission) is a feature that lets you complete payment on older card readers, but it's not working on newer phones. Samsung has almost completely phased out the feature, and newer Samsung smartphones (starting from the Galaxy S21 series) don't support MST.

You can still use MST on older devices for now, but with newer Samsung smartphones and wearables like the Galaxy S23 series and Galaxy Watch 6, you can only use NFC for contactless payments. Most recent payment terminals support NFC, so you shouldn't run into any problems.

If you're used to holding your phone close to the card swiping area of terminals, you might be surprised that MST doesn't work anymore. Just look for the contactless symbol and tap your phone there instead.

Here are some common issues you might encounter with MST not working:

Contactless not working can be frustrating, but there are several reasons why it might happen. Sometimes, your card will be declined regardless of the payment method you use, while in other instances, only the contactless method will be problematic.

Your card might not be working due to a technical issue with the payment terminal. If you see a payment error message, wait for the error message timer to run out and retry the payment. The app will re-submit the data that will be more compatible in case the card reader or terminal hasn’t been updated.

If your contactless card doesn't work, try using the chip on the card or swiping it instead. You can also try paying with a mobile wallet such as Apple Pay or Google Pay. If those methods don't work, in the short term, switch to using a different card or cash.

There are a few less frequently encountered reasons why your card may not be working when you try to pay contactless. These include issues with your phone's NFC chip or the card reader, or if your phone case is blocking the NFC chip.

Here are some specific error messages you might see on Samsung Pay and what they mean:

Sometimes, the issue with your tap to pay not working is due to incompatible devices. If your phone or watch doesn't support NFC technology, it's unlikely to work with your tap to pay system.

The NFC chip in your device needs to be compatible with the tap to pay system for it to work.

Incompatible devices can include older models or devices from certain manufacturers that don't support NFC.

The tap to pay system requires a specific type of NFC chip to function, so if your device doesn't have the right one, it won't work.

You can check your device's compatibility by looking for the NFC logo or checking the manufacturer's website for specifications.

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Other reasons your card might be declined include a few additional causes that are less common but still worth being aware of.

There are a few less frequently encountered but nonetheless viable reasons why your card may not be working when you try to pay contactless.

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One of these reasons is if your card has been flagged for suspicious activity, which could lead to a declined transaction.

It's also possible that your card issuer has temporarily or permanently blocked your card due to security concerns.

Your card may not be working if it's been reported lost or stolen, which can happen even if you're the one using it.

In some cases, your card may not be compatible with the contactless payment terminal you're trying to use.