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Apple Card Unavailable

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

Posted on Jul 11, 2022 4:49 PM

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29 replies

Jul 13, 2022 8:41 PM in response to Lucas Wilson

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] 


Jul 14, 2022 9:24 AM in response to katelynlindberg

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.

Apple Card Unavailable

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