Can you use Apple Pay without verifying card

In order to use Apple Pay’s full set of features, you’ll need to finish the verification process by having your Apple ID verified.

However, many individuals lack the necessary qualifications to use Apple Pay.

When using Apple Pay Cash, you may be required to provide some kind of identity, but you may be allowed to do so without it.

Many people have concerns about Apple Pay, which is a convenient method to make purchases in shops.

We’ve done our best to address queries about Apple Pay verification and how to go around it in this post.

Can I use Apple Pay without Verifying My Identity?

You may use Apple Pay without verifying your identity, but as per Apple you can’t transfer more than $500 without doing so.

Apple Pay logo

Should you wish to transfer or get over $500, you’ll need to provide Apple with proof of identification.

Using Apple Pay for online purchases is as simple as looking for the payment option in Safari2,3 or inside an app.

Take a moment to verify that the money has been received. In the case of an iPhone or iPad with Face ID, double-click the side button and type in your password or Face ID.

For those who don’t have a Face ID, you may use Touch ID or a passcode in their place.

Bypassing Apple Pay Verification allows you to use Apple Pay without authenticating your identity and it’s possible to transfer and get up to $500.

You may keep up to $20,000 in your Apple Pay balance account if you complete the verification process.

Can you use Apple Pay without verifying card?

Short Answer: Yes, you can use Apple Pay without validating your credit card, but you can’t add or receive more than $500 for yourself or $2000 for the family plan.

This is done to protect against the fraudulent use of credit cards.

The verification step is necessary to guarantee that the cardholder is authorized to make the payment. As a result, credit card theft is prevented.

In order to contribute or receive cash above $500, you will have to add and authenticate your card with Apple Pay.

If you’re on a family plan of at least $2000, you may be able to get around this restriction by using Apple Pay.

It’s still required that the person who owns the family’s account be authenticated.

How do I verify my card for Apple Pay without calling?

Do not be alarmed if your bank or Apple-Pay do not ask for identification verification.

However, if you get a reminder, here’s something you can do instead of having to contact them.

Follow these steps to verify your card for Apple Pay without calling:

  • Step 1: Navigate to your settings.

  • Step 2: Select “Wallet & Apple Pay” from the drop-down menu.

  • Step 3: Next, choose “Apple Pay Cash.”

Apple Pay Cash

  • Step 4: Navigate to the bottom and select “Verify.”

  • Step 5: To begin, select “Continue.”

Pay attention to the data shown on the screen and then respond to the questions that follow.

Your whole name is required for the first bar.

Your home address and postal code are required in the second section.

The third one requests the last four digits of your social security number as well as your date of birth.

  • Step 6: Select “next.”

You will be forwarded to the main screen if your credentials are accepted.

Irrespective of whether or not the information you provided is consistent with public reporting, “Apple” will want further information before allowing you to utilize its capabilities.

A photo of your passport, National ID card, or “driver’s license” will be required to verify that you are a US citizen or resident and the person you claim to be.

You may, however, transfer and get funds up to $500 without this authentication. Once your account has been validated, you will be able to use Apple Pay and avoid the $500 limit.

How to Bypass Apple Pay Verification

Due to its persistent appearance on your screen, the Apple Pay setup page may be rather annoying.

Here ‘s how to get around Apple Pay’s repeated prompts to set up a new account.

Apple Pay Verification may be bypassed by following these steps:

  • Step 1: Open the Settings app on your iPhone to begin.
  • Step 2: Make sure to configure your Apple family device.
  • Step 3: Go to the settings menu and choose “Finish Setting Up Your Device.”
  • Step 4: Select “Set up Apple Pay”.
  • Step 5: Finally, hit the Cancel button.

You will now have the ability to evade the Apple Pay verification process.


1. Is there a reason why Apple Pay says my card is invalid?

Your iPhone may display an Invalid Payment Method notification if you haven’t updated your payment details.

Your existing payment method may have lapsed, in which case you’ll want to switch to another one.

Input your Apple ID password when you choose Payment & Shipping.

2. When using Apple Pay, why does it say that the billing address is invalid?

An Apple Pay error notice will appear if the billing address doesn’t really resemble the one on file with your bank.

Apple Pay effectively checks the credit card company’s address to the address you have saved on the card on Apple Pay and displays a warning if there is a discrepancy.

3. Why can’t I use Apple Pay to validate my debit card?

Check with the bank or credit card provider that supplied your card to see if there are any limits on it if you get a text stating you to do so.

Log out of your Apple ID and then log back in again when you receive a notification stating Apple Pay services are unavailable at this time.

Final Words

Regardless of whether you’ve used Apple Pay previously, the company will still ask for your personal data to check and verify your identity. This is done to protect your funds.

When the verification process fails, it is best to contact your bank for additional information and actionable advice.

However, you may still use Apple Pay without needing to provide authentication.

But in comparison to a completely authenticated account, the experience will be somewhat restricted and will continue to be restricted.

Further Reading:

Fix: Apple Pay payment not completed (2022)

Fix: Can’t add credit/debit card to Apple Pay

Can I get Cashback with Apple Pay