How to Turn Off Apple Pay on Your iPhone, iPad, or Mac

Apple Pay is disabled in your device settings, not deleted from your account

Turning off Apple Pay stops your phone or tablet from processing payments at stores, online, or in apps. Your card information stays saved in your Wallet app — you can turn Apple Pay back on later without re-entering everything. If you want to remove a card entirely, you delete it from Wallet instead.

The steps differ slightly depending on whether you use an iPhone, iPad, or Mac, and whether you want to disable it everywhere or just on one device. You can also turn off Apple Pay for specific cards while leaving it active for others.

Key Takeaways

On iPhone and iPad, you disable Apple Pay by going to Settings, tapping Wallet & Apple Pay, and toggling off the switch next to Apple Pay.
On Mac, you open System Settings, click Wallet & Apple Pay, and uncheck the box next to Apple Pay.
Disabling Apple Pay does not delete your cards — they remain in your Wallet app and you can re-enable payments anytime.
You can turn off Apple Pay for a single card while keeping it active for others by selecting that card and toggling off its payment option.
If you lose your device, you can disable Apple Pay remotely through iCloud.com or by calling Apple Support.

Disable Apple Pay on iPhone or iPad

Open the Settings app and tap Wallet & Apple Pay. You will see a toggle switch at the top labeled "Apple Pay." Tap it to turn it off. The switch will turn gray, and Apple Pay will no longer work for contactless payments, online purchases, or in-app transactions on that device.

If you want to keep Apple Pay active but disable it for one specific card, stay in Wallet & Apple Pay settings and tap the card you want to restrict. Scroll down and toggle off Transactions. That card will no longer process payments, but your other cards will still work with Apple Pay.

You can also disable Apple Pay temporarily by removing your device as a trusted device. Go to Settings, tap your name at the top, then Password & Security, and select Devices. Tap the device you want to remove and choose Remove from Account. This removes Apple Pay access across all your Apple devices until you sign back in.

Disable Apple Pay on Mac

Click the Apple menu in the top-left corner and select System Settings. Search for "Wallet & Apple Pay" or navigate to it manually by clicking General in the sidebar, then scrolling to find it. Uncheck the box next to Apple Pay. Your Mac will no longer accept Apple Pay payments.

If you want to disable Apple Pay for a single card on your Mac, click Wallet & Apple Pay in System Settings, select the card, and uncheck Allow payments with this card. Other cards will continue to work.

Remove a Card from Apple Pay Entirely

Disabling Apple Pay keeps your cards in the Wallet app. If you want to delete a card completely, open the Wallet app on your iPhone or iPad, tap and hold the card you want to remove, and select Delete. On Mac, open System Settings, go to Wallet & Apple Pay, click the card, and click the minus button.

Deleting a card from Apple Pay does not close the card itself or affect your bank account. The card remains active with your bank — you straightforward remove it from your device's payment system. You can add it back to Apple Pay anytime by opening Wallet and tapping the plus icon.

Disable Apple Pay if You Lose Your Device

If your iPhone, iPad, or Mac is lost or stolen, you can disable Apple Pay remotely without having the device in your hands. Go to iCloud.com on any computer or phone, sign in with your Apple ID, and click Find My. Select your device from the list and choose Mark as Lost. This when ready disables Apple Pay on that device.

You can also call Apple Support at 1-800-MY-APPLE and ask them to disable Apple Pay on your account. Have your Apple ID and device information ready. Once you recover your device or get a replacement, you can re-enable Apple Pay by signing back into your Apple ID.

What Happens When You Disable Apple Pay

When Apple Pay is off, you cannot use your phone or watch to pay at stores that accept contactless payments. Online shopping and in-app purchases that use Apple Pay will also stop working — you will need to enter your card details manually or use a different payment method instead.

Your cards stay in the Wallet app and your payment history remains intact. Disabling Apple Pay does not affect your bank account, credit score, or any other financial accounts. It only stops that specific device from processing payments through Apple's system.

Re-enable Apple Pay Anytime

To turn Apple Pay back on, follow the same steps you used to disable it: open Settings or System Settings, go to Wallet & Apple Pay, and toggle the switch back on. Your cards will be ready to use when ready. If you deleted a card, you will need to add it back by tapping the plus icon in Wallet and entering the card details again.

If you disabled Apple Pay by removing your device from your account, sign back into your Apple ID in Settings or System Settings. Your device will re-authenticate and Apple Pay will work again.

Frequently Asked Questions

Does disabling Apple Pay delete my cards?

No. Your cards remain saved in the Wallet app. Disabling Apple Pay only stops payments from processing on that device. You can turn Apple Pay back on and use the same cards without re-entering them.

Can I disable Apple Pay for just one card?

Yes. In Wallet & Apple Pay settings, select the card you want to restrict and toggle off its payment option. Other cards will continue to work with Apple Pay.

What if I disable Apple Pay but still want to use my cards in stores?

You can pay with a physical card instead, or use a different payment method like a contactless credit card or mobile wallet app. You can also re-enable Apple Pay anytime by going back to your device settings.

Can I disable Apple Pay on my iPhone but keep it on my iPad?

Yes. Apple Pay settings are separate for each device. Disabling it on your iPhone does not affect your iPad, Apple Watch, or Mac. You control each device independently.

If I disable Apple Pay, can someone still use it if they steal my phone?

If Apple Pay is already disabled, they cannot use it. If it is still active, they would need to unlock your device first. For extra security, you can also mark your device as lost through Find My, which disables Apple Pay remotely.

This guide is for general information only and is not medical, financial, legal, or other professional advice. For decisions specific to your situation, consult a qualified professional. See our Editorial Policy.