Is iOS 26.0.1 really the issue with apple pay not working?

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cedillo wrote:

As an aside, my husband has a iPhone 12 with the 26.0.01 IOS loaded and he has no issues using Apple Pay.

That would seem to indicate that the problem is not the current version of iOS. I'm also not having any trouble with it. Just used my phone at the soda machine here at work, possibly the most finicky readers I've ever run into.

Which part of the settings is greyed out? Nothing under "Allow Wallet & Apple Pay to Access" should have much effect on your ability to use Apple Pay, except Cellular Data.

Have you tried removing the cards and adding them back?

Do you use a VPN or ever had VPN software or antivirus software in your device?

You may also have the steps out of order.

First double click side button (power button).

Next verify using biometrics (Face ID). You should get check mark and smiley face verification. If not repeat.

Next select payment method if different from default card.

Next tap transaction terminal where indicated by Tap-To-Pay symbol or ask cashier where to tap.

Payment should complete. If not, what is the error message?

cedillo wrote:

I asked the poster a question about what they meant - verifying a card. Not sure how you do that.

They described the process in the post you responded to:

It may be due to the fact that your cards are not fully verified in the app. Open up Wallet & Apple Pay section in your setting and double check if they are verified. Once you have them verified, double taps will work.

That's not a setting, it's a section title. It is describing the things underneath it. It doesn't do anything. It's just static text.

Also, have you followed the suggestion in the other thread you posted in about verifying the cards?

NFC Apple Pay not working on iOS 26 - Apple Community

I think that is the issue. Please let us know how it works. Thanks, and I hope you have a great weekend!