Apple Pay on a lost device?

Apple Pay is built with strong security features. Here’s what happens and what you should do:

 What Happens Automatically:

• Face ID / Touch ID / passcode is required to authorize payments.
• Your actual card numbers are not stored on the device or Apple servers.
• Apple Pay uses device-specific numbers and unique transaction codes, so your info stays safe.

What You Should Do Immediately:

1. Use Find My iPhone
   • Go to iCloud.com or use the Find My app.
   • Mark the device as Lost to lock it and show a message.
   • You can also erase the device remotely — this removes all Apple Pay cards too.
2. Suspend Apple Pay
   • When the device is marked lost, Apple Pay is automatically disabled on it.
   • You can also remove cards via:
     iCloud.com → Account Settings → Devices → Select iPhone → Remove cards
   • Or just contact us — we’ll help.
3. Report to Authorities
   • File a report with local police and provide your device’s serial number (found in your Apple ID account online).

 Good to Know:

• You can still use your cards on other devices (like Apple Watch or iPad), if those weren’t lost.
• Once you recover your iPhone, just re-add your cards to Apple Pay.

If you find your lost device after removing or erasing your Apple Pay cards, you cannot simply resume or reactivate those deleted cards. However, you can re-add them manually. 

Here's how it works:

What Happens When a Device Is Lost or Erased

When you mark your iPhone as lost or erase it via FindMy iPhone, Apple automatically removes all Apple Pay cards from that device for security. These cards are not recoverable automatically, even If you find the device later.

What You Can Do If You Find the Device

• Unlock and set up the device (if it was erased).
• Open the Wallet app.
• Tap the “+” button to re-add your cards.
• Follow the prompts — you may need to verify with Monemon again.
  
  

Tip: If you had a backup of your iPhone, restoring from that backup will not restore Apple Pay cards — you’ll still need to re-add them manually for security reasons.

Yes, you can absolutely add a card again to Apple Pay, even if you previously deleted it.

Here's how to do it:

1. Open the Wallet app on your iPhone.
2. Tap the “+” button in the top right corner.
3. Choose “Credit or Debit Card”.
4. Follow the prompts to re-enter your card details or select the card from your previous cards list (if available).

5. If asked, complete the verification in the Monemon app.

    

Note: For security reasons, Apple Pay does not store your actual card number. So even if the card was previously added, you’ll need to go through the verification process again.