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I can’t add any card with any iCloud account and any region in settings, while I can add my card on my second older iPhone, and even on my friends’ iPhones
this one is carrier locked, but I can’t find any info about Apple Pay restrictions for phones like this
Hi dinu64,
Welcome to Apple Support Communities.
We understand that you're having trouble adding a card to your wallet. You want to make sure that the Apple ID signed in on this device matches the country that is associated with your card. There are a few additional steps you can perform from If you can't add cards to Wallet to use with Apple Pay.
Warm regards.
Can’t add my card to Wallet on specific iPhone
