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Will Apple Pay Work If I Cancel my Card in 2022

Will Apple Pay Work If I Cancel my Card

Ever wondered what will happen to Apple Pay if you cancel your card? Will it work? Check out our detailed guide on Will Apple Pay Work If I Cancel my Card for all the details.

Apple Pay is my go to online payment service. It is quick, secure, and easy to pay and buy with Apple Pay. However, as easy and straightforward as Apple Pay is, there are still a lot of questions friends and family ask me. One popular question is Will Apple Pay Work If I Cancel my Card? 

And the answer is yes, Apple Pay will work if you cancel your card but it depends on the exact situation as well. Read our Will Apple Pay Work If I Cancel my Card guide for all the details. 

Related: Why has my Apple Pay Declined?

Will Apple Pay Work If I Cancel my Card

Can I use Apple Pay as a backup if I lose my physical card?

Apple Pay Overview - Apple Developer

Yes, Apple Pay can be used as a backup. If you report your card as lost or stolen, your replacement card information will be automatically updated in your Apple Wallet, and you can continue to make purchases without having to activate your replacement card.

If you place a temporary block on your physical card, it will also be temporarily locked in your Apple Wallet, and you will be unable to use your smartphone to transact with that card. Continue reading our Will Apple Pay Work If I Cancel my Card guide to know more info.

How Apple Pay handles a canceled credit card

Apple Pay is so simple, convenient, and popular that its competitors are already conspiring to eliminate it. Of course, this is when you make purchases. How simple is it to deal with issues such as canceled credit cards? According to this Reddit user aiken_ it’s fairly simple.

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aiken_ outlined what happens when a card on your Apple Pay account is canceled in a post on Reddit’s Apple forum. The card appears to be updated with its new number.

“This morning, I had three Citi cards in Apple Pay: two credit, one debit.

This afternoon, I got the dreaded fraud detection call and confirmed that it was not, in fact, me that was simultaneously using the card at several Best Buys in several states thousands of miles away.

On the phone, the Citi rep canceled the affected card and ordered a new one to be FedEx’d. So far so good.

Immediately upon hanging up, my phone had a notification saying “Apple Pay: your default card has been switched to [non-stolen Citi credit card].” Pretty smooth, and really good attention to detail in the EMVco and/or Apple Pay design.”

Instead of requiring you to enter the new card number, Apple Pay will automatically replace the lost, canceled, or stolen card number for you. 

It’s frustrating enough to have to replace a card, but Apple Pay allows you to start using your new card even before the actual version arrives. This is a feature that, in particular, makes Apple Pay a standout in the mobile payment space. It’s no surprise that their competitors are concerned.

OP on Reddit adds that the cards were already registered.

What if my card is lost or stolen?

You had your leather wallet, which included your credit cards, taken. What can you do at this time? How frustrating.

You should be aware that Apple Pay is still an option. Whether you have your physical card on you or not, Apple Pay still needs your fingerprint to function. However, you must notify your bank of the loss or theft and immediately block your credit card.

What should I do about Apple Pay if my card is lost or stolen?

Use the “Contact Chase” option from your card in Apple Wallet or the phone number on the back of your card to get in touch with Chase right away if your card is lost or stolen. Along with making sure your lost or stolen card in Apple Pay is replaced, we’ll assist you with replacing your lost or stolen card.

What if my device is lost or stolen?

If your smartphone is lost or stolen, you can disable Apple Pay by using the “Find my iPhone” app or visiting and selecting the “Lost Mode” option. You’ll also be able to “Erase All” on

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All cards will be removed from Apple Pay and the Secure Element. If you have any questions about the status of your Chase cards in Apple Pay, please contact Chase at the number on the back of your card. If you find your phone, you can restore Apple Pay by following the on-screen instructions or by using the “Find my iPhone” app.

What happens when I replace or update my device?

If you change or update your device, you must add your card(s) to Wallet as a new Apple Pay setup.

What happens when my card is replaced?

Whether your card is replaced due to loss or theft, or if it has expired, your new card will be automatically paired with the existing Digital Account Number (Token) in your device and continue to be used for payments in Apple Pay.

If Chase was unable to re-add your new card to the existing Digital Account Number (Token) for some reason, you’ll notice a notification in the Apple Pay App stating the card is no longer active for use. You can then re-add your card, just like you did before, to make it active again.

How do I make returns with purchases I’ve made using Apple Pay?

Returns can be made in the same way as you would with a credit card today by contacting the business directly. When returning things purchased with Apple Pay, we recommend that you include the device that you used.

Card blocked by bank

An alert similar to the one in the following image will appear in Apple Pay if you contact your bank to block your card:

Will Apple Pay Work If I Cancel my Card

If you follow these steps for each of your installed cards, you will receive a message that is similar for each card.

Delete cards from Apple Pay manually

You can manually remove your card(s) from Apple Pay after blocking them or if you just wish to. Here’s what you need to do:

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Step 1 Open “Settings”

Step 2 Go to “Apple Wallet and Apple Pay” and click.

Step 3 Choose the specific card you want to discard.

Step 4 To access the “Remove Card” option, scroll all the way down.

Please be aware that once a card has been removed, it can no longer be used with Apple Pay on that specific device.

What if I lose my phone instead of my wallet?

Even though it’s quite improbable that the burglar (or whoever finds your phone) will have your fingerprint, you should still think about turning off Apple Pay on your smartphone.

Through the ‘Find my iPhone’ feature, you can accomplish that remotely. You must sign into iCloud using an additional Apple Device to accomplish this.

Select “Find my iPhone” and turn on “Lost Mode” after logging in. By doing this, Apple Pay’s payment information will be immediately disabled. No worries, you can reactivate your payment information by typing your pin if you discover your phone again.

What happens if my device is off or offline?

You can still enter Lost Mode on a missing device that is turned off or inactive. These actions will take effect when your device is connected to the internet again. If you remove the device from your account while it’s offline, any pending actions for the device will be terminated.

Will Apple Pay Work If I Cancel my Card – Conclusion

Yes, Apple Pay can work even if your card is canceled. However, in some cases, this won’t work, like if your bank has blocked your card. We have explained all the scenarios and how to deal with them in our Will Apple Pay Work If I Cancel my Card guide. Hope it was helpful.

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