How to Change Payment Method on iPhone in 3 Steps?

Do you want to add or remove your iPhone payment method but are unsure how to proceed? If yes, then read this article till the very end to know the answer to “How to update method on iPhone?

One of the many questions on the internet is, “How to change the payment method on iPhone?” Apple has been providing services to its users to fit their convenience.

It is amusing to know how a single pair of Apple IDs and passwords could get you access to various things. Apple Products like iCloud storage, Apps, Music, TV, etc., could be bought using your Apple ID.

To do that, we need to keep updating our data on Apple. Our payment method is one of the most important things when it comes to this. And it needs to be updated quite often on iOS 15.

In this article, we will provide you with a guide on updating the payment method on the iPhone. Read the whole article to understand the topic.

How to Change Payment Method on iPhone with iOS 16/15/14

Below we’ve explained a step-by-step process to update your payment method. Kindly follow all these steps properly to achieve the same.

Besides, seeing the message “this iPhone is linked to an Apple ID” could be frustrating. Here, let’s show you how to fix it effortlessly.

1. Updating Payment Method

In case you have been issued a brand new card to assist you with your expenses. Updating your old payment method on your Apple ID using your new card is right.

To know the question, “how to update the payment method on iPhone?” you can read the procedure below. The procedure features iOS 14 and will work on this OS only.

  • Open Settings on your iOS device from Home Screen.
  • Find your name and tap on it.
  • Tap on iTunes, then click on App Store Functions.
  • Now, tap on your Apple ID.
Updating Payment Method on iPhone
  • Select “View Apple ID”
  • Make sure you are signed up already; if not, then sign up for your Apple ID
  • Select “Payment Information.”
  • In this section, the payment methods you are currently using will be displayed. The first card in the list is considered a default by the system.
  • It is now possible for you to update your payment methods as you like. To do so, you only need to click on the card you desire to update.
  • Then update the card information carefully. Click on “Done” only after you update the card information completely.
Update Payment Information Completely

If you use this new card more often, you might want it to be set as Default. To do so, simply click on Edit,  then you can easily drag your card to the top of the list. This way, the card will be considered Default by Apple.

That’s how to change payment methods on iPhone.

Also, if you wonder how to bypass credit card age verification, you have landed on the perfect article. Let’s see how to do it with different methods easily.

2. Adding New Payment Method

What if, even after knowing the answer to “How to update the payment method on iPhone?”, you still feel the need to keep the card as it is? In that case, you can add the new card as a new payment method.

It is possible to add a new card as a new payment method to your Apple ID. This way, your old card can stay as well.

To add a new card to your iOS device, you can follow the process given below:

  • Launch settings from the home screen of your iOS device.
  • Tap on your name.
  • Select iTunes and then Apple Store Function.
  • Tap on “View Apple ID.” If you are not already signed up, then we recommend signing up to proceed.
  • After signing up, select the option “Payment Information.”
  • In this section, your current payment methods will be displayed.
  • To add a Payment Method, tap on Add Payment Method on the screen.
  • Now all you need to do is, enter the card information into the given fields.
  • Then hit “Done.” This newly added payment option will be at the bottom of the list of your payment options.
Adding New Payment Method on iPhone

If you need this payment option to be Default, then click on Edit. Then you can drag this Payment Method to the Top of the list.

The Payment Method at the top is considered Default. Thus your new payment method will be set to Default.

3. Removing a Payment Method

The Answer to “how to change payment method on iPhone?” won’t be of much help if you want to remove the payment method. In some cases, removing your Payment Method from your Apple Id is important.

Even if there is a guarantee about the security of personal data, you can easily remove your Payment Method from your Apple ID on iOS 14/15 using a few simple steps.

It is recommended to remove a payment method if you hand your mobile to children or someone else.

Children can be messy sometimes. To avoid an unintended purchase, then it is recommended to remove the Payment Method.

Using iPhone or iPad, you can remove a payment method by following the steps given below:

  • Open settings from the Home Screen of your iOS device
  • Click on the option which is your name
  • Then navigate to Apple ID and click on “Manage Your Apple Account”.
Remove a Payment Method
  • Click on the option saying, “Payment & Shipping”.
Payment & Shipping
  • This will display your current payment methods. Tap on Edit, which is present on the top right of the screen.
Edit Payment and Shipping
  • This will make a Delete icon appear on the left side of the Payment Method.
  • Click on the “Delete” icon and the “Remove Utility” on the right of this Payment Method.
Delete Payment Menthod
  • A confirmation will be asked with removing the Payment Method from your Apple ID. Confirm this removal. This will remove the Payment Method that you intended to remove.
Confirm to Remove Payment Method

Questions About How to Update Payment Method on iPhone

Below we’ve answered a few of the most commonly asked questions related to payments on iPhone:

Why is My Payment Method Not Getting Changed on My iPhone?

Even after knowing the answer to “How to update payment method on iPhone?” are you failing to change your payment method on your device? Then it might be due to an outdated iOS version.

We recommend you try the latest iOS, iPadOS, or macOS version. You may have unpaid balances, or you share purchases with your close sharing group.

In such cases, getting rid of all the payment information from your Apple ID may be impossible. We recommend getting help to remove all Payment Methods from your Apple ID.

Why Am I Unable to Add a New Card?

Even after knowing the answer to “How to update the payment method on iPhone?” you may face a few issues. There could be a few reasons that might lead to such a situation. The reasons are listed below:

1. You Aren’t Able to Use Apple Pay

There is a chance that you are unable to use Apple Pay due to certain reasons. We recommend you check the following cases:

  • Check if your Credit Card company supports Apple Pay.
  • Check if you use the latest iOS, iPad OS, or macOS.
  • Check if your region or country supports Apple Pay.
  • Check if your device supports Apple Pay.

2. Server Being Down

There is a chance that the server is down or under maintenance. Check if that is the case.

3. Unsupported Bank

If you see a message saying, “Invalid Card” or “Could Not Add Card,” there is a good chance that your Bank or Card Issuer may not support Apple Pay.

If the problem you are facing is due to that, contact the bank or card issuer in this case.



Ten years of experience in information and computer technology. Passionate about electronic devices, smartphones, computers, and modern technology.