A while ago Apple Pay just stopped working on my iPhone X. My phone simply hasn’t been detected by any NFC readers I’ve tried. At this point I finally have some spare income and would like to invest in fixing it. I don’t particularly care how involved it is, but I just can’t find any information on where the actual NFC antenna is and if it has the same lock that the face ID sensors do. I’m sorry if I’m just missing some fairly obvious information here. I would just like to be able to use Apple Pay again.Reddit post
Express Transit has become standard in the US with the rollout of Apple Pay SmarTrip, Apple Pay TAP and Apple Pay on OMNY. Some iPhone X users invariably discover that iPhone X has a NFC problem: Express Transit doesn’t work reliably or NFC fails altogether. iPhone X guarantees and AppleCare are expired for most people at this point, getting iPhone X NFC repaired isn’t cheap or easy.
I ran across a Reddit post asking about iPhone X self repair and it reads like a nightmare. The device has a unique volume button / NFC antenna cable design that I suspect is the culprit behind the iPhone X NFC problem. Some repair forums report that the volume button / NFC antenna cable is serialized and simply replacement may not work.
I’ll cut to the chase. My rough estimate is that 40 million iPhone X units were manufactured up to the April 2018 NFC defect fix Revision B iPhone X change over. How many of those 40 million are defective? Only Apple knows. My take is that almost all of them are defective over time, but iPhone X owners are not aware of the NFC defect until iPhone X NFC fails altogether.
Unless you like spending time and money repairing the notoriously difficult to repair iPhone X, I strongly urge you get a replacement from Apple if you can, or better yet upgrade to iPhone SE. The NFC just works and Touch ID is much better than Face ID when navigating the outside world wearing a face mask. You also get A13 Express Transit power reserve and background NFC tag reading that works great with iOS 14 App Clips. Altogether a much better Apple Pay package for our COVID face mask era.