Do you need to update Apple Pay if you get a new credit card?

Farewell, Expired Plastic: Managing Credit Cards in Your Apple Pay Wallet

Apple Pay has become a ubiquitous payment method, offering convenience and security at countless retailers. But what happens when your credit card expires and you receive a shiny new one in the mail? Do you need to scramble to update Apple Pay, or does the digital magic take care of it for you? The answer, like many things, depends on the type of card you’re using.

For personal credit cards, Apple often simplifies the update process considerably. Thanks to agreements with many major card issuers, Apple Pay typically attempts to automatically update your card details upon renewal. This means that when your old card expires and the new one is activated, your Apple Pay wallet should reflect the change without requiring any manual intervention on your part. This seamless transition is a huge time-saver and reduces the risk of your transactions being declined due to outdated card information.

However, this automated update isn’t a universal solution. There’s a crucial distinction to be made when it comes to business credit cards. Unfortunately, the automatic update feature is not typically available for business credit cards added to Apple Pay. This means you’ll need to take a more hands-on approach to ensure your digital wallet stays accurate.

So, what do you do when your business credit card expires? The process is straightforward, though it requires a few taps. Here’s a simple guide:

1. Navigate to Settings: Open the Settings app on your iPhone or iPad.
2. Find Wallet & Apple Pay: Scroll down and tap on “Wallet & Apple Pay.”
3. Select the Outdated Card: You’ll see a list of all the cards stored in your Apple Pay wallet. Identify the expired business card.
4. Remove Card: Once you’ve selected the expired card, you’ll find an option to “Remove Card.” Tap this, and confirm your decision.

Removing the old card keeps your Apple Pay wallet tidy and prevents any confusion or failed transactions. Once the expired card is gone, you can add your new business card just like you originally did, either by manually entering the details or scanning the card with your device’s camera.

Staying on top of your credit card information in Apple Pay, particularly for business cards, ensures a smooth and reliable payment experience. By following these simple steps, you can confidently use Apple Pay, knowing your wallet is always up-to-date and ready for your next purchase, whether it’s a personal treat or a crucial business expense. Remember to regularly check your wallet for any cards that might have expired to avoid any payment hiccups. Keeping your digital wallet current is a small effort that pays off in convenience and peace of mind.