There may be rare instances when Apple Pay just stops working on your iPhone running iOS 13.
How to Fix Apple Pay Not Working Issue on iPhone in iOS 13The solutions below are assuming you are in a country where Apple Pay is available and also inside a store that accepts Apple Pay.
Similarly, if you use Apple Pay on your Apple Watch, make sure that passcode is set up on the watch.
If you are not able to pay via Apple Pay, a simple restart may fix the issue.
Whenever you add a new card to your Apple Pay, there is a handshake between your bank or the card issuer and Apple Pay to authorize the card.

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