When I try to add Apple Card shared from family account I get the message “Apple Pay services are unavailable. Please try again later”. I’ve gotten the same message for the last 5 days. I have restarted my phone, signed in and out of iCloud, and have the latest iOS. How can I fix this?
iPhone 12 Pro
There can be multiple causes and solutions for this issue. In no particular order I’ve listed some of the common solutions,
1) Log out of your Apple ID and then log back into your account
2) Turn off you VPN
3) Try using a different connection, if on Wi-Fi use cellular network or vice versa
4) Change your Region on your iPhone to another region then change the region back to US.
Change your Apple ID country or region - Apple Support
5) Update your birthdate on Apple ID
Update the birth date associated with your Apple ID - Apple Support
6) Do a forced restart of your iPhone
Force restart iPhone - Apple Support
7) Update your iOS on iPhone to latest version
Update iOS on iPhone - Apple Support
8) Reset you network settings on your iPhone
Reset your Network Settings. If you're using iOS or iPadOS 15 or later, tap Settings > General > Transfer or Reset [Device] > Reset > Reset Network Settings. If you're using iOS or iPadOS 14 or earlier, tap Settings > General > Reset > Reset Network Settings.
Force restarting you iPhone after completing many of the steps above may help.
If you’re still have issues adding your card after the above, please post a reply.
There can be multiple causes and solutions for this issue. In no particular order I’ve listed some of the common solutions,
1) Log out of your Apple ID and then log back into your account
2) Turn off you VPN
3) Try using a different connection, if on Wi-Fi use cellular network or vice versa
4) Change your Region on your iPhone to another region then change the region back to US.
Change your Apple ID country or region - Apple Support
5) Update your birthdate on Apple ID
Update the birth date associated with your Apple ID - Apple Support
6) Do a forced restart of your iPhone
Force restart iPhone - Apple Support
7) Update your iOS on iPhone to latest version
Update iOS on iPhone - Apple Support
8) Reset you network settings on your iPhone
Reset your Network Settings. If you're using iOS or iPadOS 15 or later, tap Settings > General > Transfer or Reset [Device] > Reset > Reset Network Settings. If you're using iOS or iPadOS 14 or earlier, tap Settings > General > Reset > Reset Network Settings.
Force restarting you iPhone after completing many of the steps above may help.
If you’re still have issues adding your card after the above, please post a reply.
If the pending invitation is still showing, you’ll not be able to add Apple Card to the Wallet. This is documented in multiple discussions over the last year. Like Apple Card, the pending invitation is associated/tied to the Apple ID. To the best of my knowledge the only way to remove the pending invitation is to log out of the Apple ID on all devices and iCloud account (online). Once logged out, do a forced restart of all devices (restart Mac), log into you Apple ID and remove the invitation.
Do you have multiple Apple devices, iPad, iPhone, Apple Watch and/or Mac? If so the next steps get more time consuming.
It looks like you have pending invitations that are open on the other devices. They will need to be removed from all your devices. You’ll need to log out of your Apple ID on all those devices and log out of iCloud on the web. You may have to end up removing all credit cards from your Wallet on all your devices as well.
Have you opened a support ticket with Apple support and Goldman Sachs support?
The pending invitation has to be declined. Look for a button or way to respond to the pending invitation.
I think your best course is to continue with the senior engineering staff at Apple. I can’t discuss beta software on this forum and it’s not a best practice to have to parties troubleshooting the same issue.
I will say the two Apple ID’s are probably part of the issue. I’d make sure the support staff is aware of this point. Apple Card’s don’t play nicely with multiple ID’s.
Yes, log out of all devices and see if one device can delete the invitation. If the invitation can be deleted, log out again and log back into the account. Invitation should be deleted and you should be able to add Apple Card if invitation is gone.
I have tried all of these solutions. Including doing a full restore on my iPhone and logging out of iCloud on all other devices and browsers as well. I made sure that I deleted all my cards and Apple Cash from my wallet on all devices and removed it from the iCloud backup. When I restored my iPhone I used a backup that was created before I even had access to the card initially and it still gave the same error message.
Nothing has worked at this point and I am still receiving the same error.
I did experiment with a different Apple ID where I shared the card as a participant and added it to that ID with no problems whatsoever. The issue is that I don’t use that ID any longer and it’s not associated with my phone or other Apple products, nor do I want to use that account—it was purely just to see what would happen if I tried the same process on the same device while logged into a different iCloud account.
Yesterday I spent over two hours on the phone and hold with Goldman Sachs and Apple support. They escalated my case to a senior level engineer ticket. They took logs and analytics off of my phone to submit with the ticket. As well as having me send them a screenshot of the error message when trying to add to my account.
This problem started on July 5, and I happened to upgrade to iOS 16 beta on the night of July 11 (day before contacting Apple support).
It’s been a frustrating process with a lot of communication issues on Apples side of things. I have also encountered a couple rather rude support agents along the way as well.
[Edited by Moderator]
This is has popped up from time to time over the last 12 months. It was about 12 months ago, that Goldman Sachs enabled joint accounts (co-owners) and this issue has affected a few account owners.
Do either of you have an active installment plan from your before you joined accounts?
Have you been following the troubleshooting steps I posted above?
You’ve probably isolated your issue. You’ve got to remove those pending requests. That usually means removing all the cards.
We can discuss but that’s usually what it boils down to.
Areyou logged out of your Apple ID on all other devices?
Exactly the same issue happened to me today. Also went through most of the steps suggested above, but the problem still persisted. This is very inconvenient for my family member. Has anyone found a workaround yet?
No, we are not running the new beta software; our iOS version is the latest 15.5.
More details: Previously my wife and I both had owned an Apple Card. Two days ago we set up Apple Card Family as co-owners. But today my wife found in her Wallet app that her previous Apple Card account was closed. We thought this might just mean that my wife needed to re-add a "new" merged Apple Card into her Wallet app. We took the step:
Wallet app > Previous Cards > Continue
Then we received the following error message:
We've tried several troubleshooting e.g., restarting the iPhone, change internets, etc. But the problem still persists. One thing that slightly changed the error message is: after removing my wife's original Apple Card (which was shown to be closed), and when we went through the same "re-adding" process, the following error message showed:
We would very much appreciate it if anyone could let us know any potential solutions.
Both of you had individual accounts. Both individual accounts are closed and a new joint account is created.
It Sounds like you have the virtual card in your wallet, but your wife does not. Is this correct?
Sorry, this is not quite correct. To clarify: I invited my wife to join as a co-owner. Two days later, my wife's virtual card in Wallet.app somehow got closed, and couldn't be re-added (the error messages shown above); on the other hand, my own virtual card in my Wallet.app is still available -- in fact, I could see my wife's credit line has been added to my credit line, suggesting that the family share has somehow been successfully set up.
So in short, the problem is: my wife cannot use her Apple Card now since there is no valid Apple Card in her Wallet.app on her iPhone/iPad/MacBook. Could you please advise how to fix this issue?
For what's worth, I found a similar report from Reddit -- this was an old post 10 months ago, but some new replies within this month suggests that the problem still occurred. Not sure whether it is OK to post an external link here so I would just leave the subject line of the said post: "Adding a co-owner closed my account" in the r/AppleCard Reddit community.
Thanks for your reply. In responses to your questions: No, we don’t have an active installment plan before we joined accounts.
Previously we have tried your steps (2)-(7), but the problem still persisted. I could try the remaining step 1 and 8 when we are back home tonight.
Apple Card Unavailable
