Q: Cannot add cards back to apple pay after restoring.

I followed your recommendation to go in and try to get it taken care of. It was the easiest experience I have ever had dealing with the Genius Bar, which will most likely not be the same experience everyone has.

I said similar information about other users experience as well as my experience with support technicians. Although he had not dealt with anyone having the problem, he immediately offered to replace my device. He didn't make me show him an example of what was happening or anything. He did run the diagnostic and found a large list of software issues including springboard problems. He advised me not to restore my backup, so I have some work in front of me to manually replace my messages, call history, etc.  I was able to add my cards to the new device immediately, but I'm sure that was obvious.

The bottom line is that if anyone is contemplating going to the Apple Store, I urge you to do it. If you have to, show them what happens and don't leave until they fix it or replace your deI've.  Even if you have to drive to do it like I did.

I too wound up having my device replaced last night. I explained my steps to try and fix it and showed him this thread here. He checked some things, had a coworker try and replicate the issue, to no success. So the decision was made to replace the iPhone 6. Things work now! I'm able to add cards without issue now!

I had this problem occur over a week ago, traveled home for the Holidays (no Apple Store nearby) and finally had a chance to go into a store yesterday. After seeing all of the responses and this thread continuing to grow I was expecting to go in and get my phone swapped. No luck. The tech insisted I do a restore. Not just one from a back up either but a full clean restore. That was frustrating because I had already done this twice in my own to try to resolve the issue With no avail. she assured me that while she's never heard of the problem she was able to perform a restore and add her cards back. I was skeptical, but didn't have too much to time to argue. Thought I'd give it another shot that evening. Got home. Did a full new restore. Guess what. Nothing. Same issue. So I'm going back tomorrow First thing in the morning. Demanding a swap. Everyone should do the same. Make sure they read this thread If they don't want to do a swap And then ask to speak with a manager. Don't waste your time. Most Genius' have been around for a while and are old school, but some newer ones (as I suspect I was assigned today) follow the book to a T so much that they miss the whole point of their job.

Also, getting a refurb phone is no big at Apple. They have the best refurb products our of any company and basically replace almost every single part on the phone. Chances are the phones they are handing out now are indeed new, but just wanted to throw that out there. They usually capture most defective units for testing for several months following a new release In order to test. I used to work at Apple, so the best thing we all can do is make sure this issue becomes known In every way possible. I just hope this can be resolved via a software update, because this glitch doesnt seem to be too serious other causing some major inconviences for people.

Good luck everyone.

I am happy to report that after ATT unlocked my iPhone 6 Plus, yes it was the replacement phone from the Apple Pay matter, I restored in iTunes to secure the unlocked status and all my cards went back in with no problem.  So what ever the problem was with some of the 6's and 6 Plus's that cause the issue with Apple Pay we are all talking about seems to have been corrected with the new phones.  My 6 Plus was one of the originals ordered online and received on opening day.  This further confirms something I have always thought that problems that are discovered in certain batches of product are corrected in production and those who have the "defective" handsets only get them replaced when they ask.  Fortunately for Apple most people have an iPhone will never use the features those of us who post in the forums use.  We see the issues and until the issue hits the evening news they have no idea there's a problem because they didn't even know the feature exists.   So if there is a problem with your iPhone don't just put up with it.  You paid good money for that phone its should fully function with all the features you paid for even if you don't use them.

Good Luck

Have the same issue- Amex initially told me they identified the issue & would have it fixed in a day or two; they called me yesterday to tell me it's a bigger problem than originally thought & would take longer (no ETA).  Chase had no idea.

Before I try the Genius Bar approach, has anyone tried resetting to factory settings then setting up as a NEW phone, rather than restore from backup?

AmEX tasked a good game, so did Barclays, Chase, and Citi, but nobody on the banking end to this day has been able to come up with a solution.  I Restored as new, I restored from backup I tried cards that were not previously in Apple Pay.  The only solution was a new phone.  One single test of Apple Pay in the Apple Store and the phone was replaced with new. 

Then I guess that's my plan.  Did you have AppleCare?  I don't so I'm concerned they won't replace.

My phone is under warranty I don't have apple care and  it was replaced with a new device. 

good luck

All Apple products have a one year warranty included that does not include physical damage. You should be covered under this issue.

I Don't recall specs on the warranty- had it <60d...

Several tests, phone replaced, all good.

Weird.  I have two iPhone 6 phones, both 64gb, one from opening day and the other a few days later.  I have done restores on these and have signed out of iCloud several times.  The ApplePay cards always disappear, as expected, but have always restored just fine.  I don't envy the Apple techs trying to figure out what's causing this.

I confirm that the ability to add cards back to Apple Pay is indeed true.  Happy New Year!