Installed Sonoma 14.5 - now I can't use Apple Pay

For me, it is just not being to use Apple Pay without a Touch ID keyboard. That part I guess I understand, though it sure would be nice to know in advance.

I have a brand new Mac mini with M2. I really don't NEED to use Apple Pay on this, but it would be handy.

Two more issues:

1. I don't see an option to "enable Apple Pay on Mac" on my iPhone. Maybe back to the keyboard issue?
2. Apple removed ALL the cards from Apple Pay on ALL my devices except for the Apple cards. All third party cards must now be re-added to Apple Pay.

I'm really disappointed with this, particularly #2. Shouldn't Apple at least have mentioned it somewhere prominently? If they did, I didn't know about it.

There are two issues going on here. One is the user issue and the other issue is a keyboard with Touch ID. We need to resolve the user issue first. But we can really test it with the keyboard with Touch ID.

Here is a possible solution that I found in the community here:

>>I think I found a solution/workaround. It involves setting up a second "temporary" iCloud account on your Mac to activate the "Reset Apple Pay" option. Here are the steps I followed:

• Make sure that you delete any leftover credit or debit cards added on your current user account, which should all show "Removed by issuer" at this point.
• In System Settings > Users & Groups, add a new Admin account (should probably work with a Standard account too, but this is what I used).
• Restart your computer and login to the "temporary" account.
• When setting up the temporary account, create a new iCloud account and follow the prompts. I created an @iCloud.com email address, and you'll need a phone number separate from the one you use on your main account to create the account. The name doesn't have to match the name you have on your debit or credit cards.
• Still in the account setup process, after setting up iCloud, set up TouchID. You can use the same fingerprints as the main account.
• After setting up TouchID, set up Apple Pay. Since it's a new iCloud account, you'll need to enter the card details manually. You'll see that you're presented with the card verification process this time, and it goes through properly. That's all you need the "temporary" account for.
• Log out of the "temporary" account and log into your main account. In System Settings > Wallet & Apple Pay, select "Add Card..." You'll be presented with a screen similar to this one:

• Once you click "Reset Apple Pay and Add Card..." your saved cards in iCloud from other devices should populate as expected, and you can add them all with no issue.

So in short, set up a new user account on the Mac, create a new iCloud account for that user account, set up TouchID and Apple Pay on the new user account. Log back into your main account and reset Apple Pay. Everything should work now.

I'm not sure if there's a way to get the "Reset Apple Pay" option in any other way, but this seems to do the trick. I was able to add all my cards with no issue just now.<<

If it was just not being to use Apple Pay without a Touch ID keyboard. That part I guess I understand, though it sure would be nice to know in advance.

I have a brand new Mac mini with M2. I really don't NEED to use Apple Pay on this, but it would be handy.

Two more issues:

1. I don't see an option to "enable Apple Pay on Mac" on my iPhone. Maybe back to the keyboard issue?
2. Apple removed ALL the cards from Apple Pay on ALL my devices except for the Apple cards. All third party cards must now be re-added to Apple Pay.

I'm really disappointed with this, particularly #2. Shouldn't Apple at least have mentioned it somewhere prominently? If they did, I sure didn't know about it.

[Edited by Moderator]

Thanks, from what I can tell and other comments, an Apple Keyboard with Touch ID is required and not 3rd party keyboards.

Pretty much the same for me, except on M1 iMac with Magic Keyboard (no Touch ID).

Worked fine before latest update.

Hey Jeff.

Just wanted to say a big "thank you." I just updated my Mac with Sonoma 14.5 and got this dreaded message too that freaked me out. So followed your advice as the Apple Pay was on my phone, so I toggled on/off Allow Payments to Mac > restarted phone > restarted Mac > went into settings on Mac for Wallet added card (same as phone) and all working. Hope other folks tried your suggestion. Worked for me, so again many thanks for your thoughtful solution.

Please follow this path,

iPhone > Settings > Wallet & Apple Pay > scroll down to Payments on Mac > switch on <green> if it is on, please turn off, pause switch back on and restart iPhone.

You should restart your Mac and try it again.

Have you tried logging out of your User Account, restarting your iMac and then logging back into your account? Logout is available under the Apple Menu. You’ll need your Admin password to log back into your account and computer.

May I please inquire as to whether this was resolved? I literally sat with 4 different Apple reps today for well into 4 hours with no resolve. I am beyond exhausted with Apple at this point. Considering the price-tag on these products, I expect better.

There are multiple issues at play here. One issue is the >>Apple Pay Not Available<< and the other is the Multiple Users issue.

Some users have been able to add cards to the Mac for use with Apple Pay by adding another User account to the Mac, using the same Apple ID Account and then adding a credit or debit card. A message will pop up about it’ll remove cards from another user. Agree to that and then remove the cards from the new User Account and then delete the new User Account.

Restart the Mac and login into the original User Account and attempt to add a credit or debit card and it should go in if an Apple Keyboard with Touch ID is setup and enabled. It may also be added if on your iPhone you have enabled >> Payments On Mac > Allow Payments on Mac on your iPhone. This would also need tp be enabled on Apple Watch using the Watch app on the paired iPhone.

All in all about 30 minutes of work or less, if all goes well. Some users report it didn’t work. I haven’t personally had this issue, but I’ve seen it confirmed to work on multiple social media platforms and also here in the Apple Support Community.

Thanks for your reply.

That seems a ridiculously convoluted process to attempt to resolve a problem that Apple has created.

Also:

I don't have "an Apple Keyboard with Touch ID".

"> Payments On Mac > Allow Payments on Mac" has always been enabled on my iPhone and Watch.