Disable Apple Pay on your iPhone in Settings
To turn off Apple Pay on an iPhone, open Settings, then tap Wallet & Apple Pay. You will see a toggle at the top labeled Apple Pay — tap it to switch it off. The toggle will turn gray, meaning Apple Pay is now disabled.
If you want to keep Apple Pay enabled but remove a specific card, stay in the Wallet & Apple Pay screen and tap the card you want to remove. Scroll down and tap Remove This Card. You can remove all your cards one by one without fully disabling Apple Pay itself.
Disabling Apple Pay this way stops the feature from working on your iPhone. You will no longer be able to pay at stores, online, or in apps using your phone. If you re-enable it later, your cards will still be saved — you do not lose them by turning the feature off.
Key Takeaways
- Open Settings, tap Wallet & Apple Pay, and toggle Apple Pay off to disable it completely on your iPhone.
- You can remove individual cards without disabling Apple Pay entirely by selecting each card and choosing Remove This Card.
- Disabling Apple Pay on your iPhone does not affect Apple Pay on your Mac, Apple Watch, or other devices — you must disable each one separately.
- Your card information stays saved in your account even after you disable Apple Pay, so you can turn it back on without re-entering everything.
Turn off Apple Pay on your Apple Watch
On an Apple Watch, you disable Apple Pay through the Watch app on your paired iPhone, not on the watch itself. Open the Watch app on your iPhone, tap the Wallet & Apple Pay section, then toggle Apple Pay off. This removes Apple Pay from your watch.
If you only want to remove a card from your watch but keep Apple Pay active, open the Watch app, go to Wallet & Apple Pay, tap the card, and select Remove. The card stays in your iPhone's Apple Pay but is no longer available on your watch.
Disable Apple Pay on your Mac
On a Mac, open System Settings (or System Preferences on older versions), then click Wallet & Apple Pay in the sidebar. Uncheck the box next to Allow payments with Apple Pay. This disables Apple Pay on your Mac for online shopping and in-app purchases.
You can also remove individual cards from your Mac without disabling the feature entirely. In the same Wallet & Apple Pay section, select a card and click the minus button to remove it.
What happens when you disable Apple Pay
When Apple Pay is off on a device, you cannot use that device to pay at stores, online, or inside apps. If a store or website asks you to pay with Apple Pay, you will need to use a different payment method instead — a physical card, another digital wallet, or manual card entry.
Disabling Apple Pay does not delete your card information from your account. If you turn it back on later, your cards will still be there. You do not have to re-enter them unless you want to add new ones.
Disabling Apple Pay on one device does not affect other devices. If you turn it off on your iPhone, it stays on on your Mac and Apple Watch unless you disable those separately.
Why you might want to disable Apple Pay
Some people disable Apple Pay for security reasons — if your phone is lost or stolen, turning off Apple Pay prevents someone else from using it to make purchases. You can also disable it if you straightforward do not use the feature and want to reduce clutter in your settings.
If you are having trouble with Apple Pay not working correctly, disabling and re-enabling it sometimes fixes the problem. Turn it off, wait a few seconds, then turn it back on and see if the issue resolves.
Re-enable Apple Pay if you change your mind
To turn Apple Pay back on, follow the same steps you used to disable it. On your iPhone, go to Settings > Wallet & Apple Pay and toggle it on. On your Mac, go to System Settings > Wallet & Apple Pay and check the box. On your Apple Watch, use the Watch app on your iPhone and toggle it on in the Wallet & Apple Pay section.
Your saved cards will still be there. You will not need to add them again unless you deleted them before disabling the feature.
Frequently Asked Questions
Does disabling Apple Pay delete my saved cards?
No. Your card information stays saved in your account even after you disable Apple Pay. When you turn the feature back on, your cards will be there and ready to use.
Can I disable Apple Pay on my iPhone but keep it on my Apple Watch?
Yes. Each device has its own Apple Pay setting. Disabling it on your iPhone does not affect your Apple Watch, Mac, or any other device. You must disable each one separately if you want to turn it off everywhere.
What if I only want to remove one card, not disable Apple Pay entirely?
Open the Wallet & Apple Pay settings on the device where you want to remove the card, select the card, and choose Remove or Remove This Card. Apple Pay stays on, but that specific card will no longer work with the feature.
Will disabling Apple Pay stop payments I have already set up?
Disabling Apple Pay stops new payments from being made with that device, but it does not cancel subscriptions or recurring payments you have already set up through other methods. Those continue as normal.
Can I disable Apple Pay just for in-app purchases but keep it for stores?
No. Apple Pay is an all-or-nothing setting on each device — you cannot turn it off for one type of payment and keep it on for another. You either have it enabled or disabled.