How do I update my Apple Pay limit?

You can’t directly update your Apple Pay limit. Apple Pay itself doesn’t have a spending limit. It uses the available credit or funds from the cards and accounts you’ve added to it. Therefore, to influence how much you can spend using Apple Pay, you need to manage the limits on the underlying payment methods.

Thinking you can change an “Apple Pay limit” is a common misconception. What you might be trying to manage is one of the following:

• Apple Card Family Spending Limits: If you’re looking to control spending for a family member added to your Apple Card, you can set limits. Open the Wallet app on your iPhone, select your Apple Card, and tap the More button (three dots). Choose Family, then select the family participant. Tap Transaction Limit to adjust their spending allowance and configure notifications for when they approach or exceed the limit. This only applies to Apple Card Family members, not your personal Apple Card spending.

• Your Credit Card Limit: For other credit cards linked to Apple Pay, contact your card issuer directly to request a credit limit increase or decrease. This is managed by your bank or financial institution, not Apple.

• Your Debit Card Available Balance: Debit cards linked to Apple Pay use the available balance in your checking account. To “increase” your limit, you need to deposit more funds into your account.

• Merchant-Specific Limits: Some merchants may impose their own transaction limits, regardless of your card’s available credit or balance. This is less common with contactless payments like Apple Pay but can occasionally occur. Contact the merchant for clarification if you encounter this issue.

In short, there’s no single “Apple Pay limit” to change. Focus on managing the individual cards and accounts connected to your Apple Pay wallet. This gives you granular control over your spending and allows you to set appropriate limits for family members using your Apple Card.

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