Can Apple repair Apple Pay if the tap-to-pay feature stops working?

It could be a hardware problem with the phone’s NFC system. Apple can run diagnostics to confirm that, but repair costs may be significant if the phone is out of warranty and you don’t have AppleCare+.

Yes, Apple can repair the phone if the tap-to-pay hardware is actually damaged. Make a service appointment so they can test the NFC function and explain whether repair or replacement is the better option.

Try restarting the iPhone first, since a temporary software or NFC glitch can sometimes clear up after a reboot. If that doesn’t help, check for iOS updates and test another compatible card or payment terminal.