Hey there, and welcome to Apple Support Communities OllyCross,
We appreciate you reaching out and are here to help. We would like you to check out these steps on how to add payment methods to your wallet and see if it matches up with your procedures:
" Add a credit or debit card
- In Wallet, tap . You may be asked to sign in with your Apple ID.
- Choose one of the following:
- Previous cards: Choose the card associated with your Apple ID, cards you use with Apple Pay on your other devices, or cards that you removed. Tap Continue, then enter the CVV number of each card.
- Debit or credit card: Position iPhone so that your card appears in the frame, or enter the card details manually.
Alternatively, you may be able to add your card from the app of the bank or card issuer.
The card issuer determines whether your card is eligible for Apple Pay, and may ask you for additional information to complete the verification process.
Set the default card and rearrange your cards:
The first card you add to Wallet becomes your default card for payments. To set a different card as the default, move it to the front of the stack.
- In Wallet, choose your default card.
- Touch and hold the card, then drag it to the front of the stack.
- To reposition another card, touch and hold it, then drag it to a new location. "
For additional information, we recommend checking out this link: Set up Apple Pay in Wallet on iPhone - Apple Support
Let us know if that helps and kindest regards!