Chosen Solution
When iPhone 6 was new ApplePay worked fine. After 6 months it would work intermittently, then about a year from purchase stopped working entirely. I took it to Apple Genius Bar. They worked with it for about 2 hours and finally said it was a hardware problem-wanted $180 to fix. After I uploaded iOS 11 on a lark I tried ApplePay again. It worked flawlessly for 5 charges. Now it activates when held near merchant’s reader, but when I try to pay message of ‘Holder near reader’ appears and I can’t make payment.
The NFC antenna is housed within the top part of the bezel. That means there is no real antenna to replace unless you replace the entire housing. It is possible however that the NFC Bracket interconnect is damaged or was disconnected in a previous repair attempt. Follow this guide, specifically steps 33-34.
Hello . I have the same problem on iphone 6s. I bring it to the terminal - the wallet starts - and writes it to the device - the finger is scanned and the payment does not go on. I changed the NFC antenna and tightened all the bolts. nothing changes, what should I do next?
I know I’m a little late to the party, but I have to throw in my two cents for anybody that is still having this problem. In short, I rebuilt my iPhone. Everything worked flawlessly. That is, except for Apple Pay. I realized this once I went to a restaurant and attempted to use Apple Pay to purchase the food, but to no avail. So I then reopened the phone and realized that the problem laid within my re-placement of the NFC bracket interconnect, and that it was not seated correctly to ensure an electrical connection. I didn’t take any pictures to describe what I’m talking about. There’re pictures of what I’m talking about in the iFixit guide listed above, but to describe in words; the upper part of the interconnect bracket must be seated under the camera bracket, instead of over it. If placed over it (like I had it), then the plastic part of the camera bracket will act as a insulator, therefore stopping the near field communication signal from consistent successful transmission. The metal (copper) part of the interconnect needs to be touching the metal part of the housing, and screwed down tightly but not overly tight, to ensure a secure electrical connection to the antenna of the iPhone. I hope this helps somebody out there! -Seth
