Cards can't be added to my apple wallet

1. Start by going to settings>general>reset>and reset all settings.
2. Sometimes if you sign out of your Apple ID and back in it resolves the problem.
3. Make sure you are using the latest iOS/macOS update.
4. Check your Apple ID region to make sure it is correct. If it is correct, you may need to select the same region again. (Change your Apple ID country or region - Apple Support)
5. Check the region on your device to ensure it is correct (Settings>general>language & region - set to your region). If it is correct, you may need to select the same region again.
6. A passcode is required to use the Wallet app. 
7. You need to be in a region that supports Apple Pay - Countries and regions that support Apple Pay - Apple Support
8. Your bank needs to support Apple Pay - Apple Pay participating banks - Apple Support
9. If none of these suggestions are able to resolve your issue you can go here for further assistance - If you can't add cards to Wallet for Apple Pay - Apple Support
10. Apple Pay support can be reached here - Apple Pay Customers

• If you need to change your default payment in Wallet or have other issues such as the inability to add passes you can go to these links which covers managing Wallet and wallet use.
• Add and manage passes in Wallet on iPhone - Apple Support, please note that passes cannot be directly added within wallet, except for QR code enabled passes. For everything else, its done either through the associated app, an email, airdrop or a link in a website.
• If you get an error that you already have the maximum amount of cards in wallet with less than 12 cards (iPhone 8 or later) 8 Cards (all models earlier than iPhone 8) signing out of your Apple ID and back in usually resolves this issue.
• If you are getting a message to contact the card issuer, call the bank or credit card company who issued you the card to make sure there are no restrictions on the card. 
• If you are getting a message that Apple Pay services are unavailable at this time, sign out of your Apple ID and back in.
• How to use Wallet on your iPhone, iPod touch, and Apple Watch - Apple Support,
• Manage the cards that you use with Apple Pay - Apple Support

Thanks for getting back with us about this, volodymyr97. Let's continue looking into this. We do want to let you know that Apple doesn't approve, decline, or verify debit or credit cards—this process occurs exclusively over the financial network. That said, let's check a few things.

Please follow these steps:

• Make sure that your date and time is correct under Settings > General > Date & Time.
• Make sure that you are connected to a known-good network and are not connected to a VPN.
• Make sure that push notifications are set up correctly: Use notifications on your iPhone, iPad, and iPod touch.
• Make sure that your zip code is accurate under Settings > [your name] > Payment & Shipping.

If the issue continues to happen, please let us know and we'll check further together. Cheers!

Hello, volodymyr97!

After reviewing your post, it seems like you are running into some Apple Pay issues. We definitely understand that not being able to complete that card setup can be a concern and we'd love to help. Let’s start by reviewing this article: If you can't add cards to Wallet to use with Apple Pay.

Please let us know if you have follow-up questions about this issue, or if the issue remains unresolved. Have a great day!

Thanks for the update, volodymyr97. If you are finding that you can successfully add cards to your Wallet, we definitely advise reaching back out to the card issuer. This tells us that your iPhone, permissions and settings are all correct. The issue lies with your individual card, not your device or account.

Thank you so much for getting back with us and we hope you have a wonderful day!

Did you go through the steps I posted?