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Adding Money to Suica in Apple Wallet Fail

I can’t add money to my Suica in my wallet. The message that displays is “payment incomplete.” I have my credit cards and even Apple Cash that have all been utilized to no avail. How do I fix this? My wife has the same issue with her card/phone.

iPhone 13 Pro

Posted on Sep 3, 2022 2:32 AM

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Question marked as Top-ranking reply

Posted on Nov 14, 2022 6:26 AM

May I know how do you use the virtual revolut mastercard? I can't add the single use virtual revolut mastercard to my apple pay and thus cannot top up the e-suica

9 replies

Sep 8, 2022 5:26 PM in response to ManwaringPA

I found the following article and it does indeed explain and solve the issue. I have been able to use my Amex card. My Citi Visa was a no go.


Apple Pay Suica • PASMO Basic Troubleshooting

 Joel Breckinridge Bassett


 Apple PayApple Pay SuicaiOSiPhoneNFC-FelicaTransit  2017-10-24

Notice: Apple Pay recharge in Wallet app with USA issue VISA credit cards stopped working Friday, August 5 JST. The issue is ongoing. Recharge situations are different for the major card brands with USA issue VISA credit cards not working for Apple Pay PASMO, Apple Pay Suica, Google Pay Suica (Android Osaifu Keitai smartphones). European, Australian, Canadian and Hong Kong issue VISA credit cards appear to be similarly affected. The only workaround is to use a Mastercard or AMEX card:

  • Non-JP issue VISA credit cards: Suica NG / PASMO NG, some VISA debit cards are working
  • Non-JP issue Mastercard: Suica OK / PASMO OK
  • Non-JP issue Amex: Suica OK / PASMO OK

Mobile PASMO / Mobile Suica support both say non-JP issue cards are officially supported for Wallet app recharge and there should be no problem. The official line is ‘contact your card issuer’. For reference be aware this is an Apple Pay issue, not a Suica App / PASMO App issue. Suica App / PASMO App only accept JP issue cards for app registration and use.

It’s not clear if the problem is with VISA, Apple Pay, Mobile Suica/PASMO or any part of the payments chain from merchant acquirer to payment processor. I contacted Wells Fargo card account support and ran a PASMO recharge attempt (failed) but support said no transaction activity was showing on their system despite a ‘good to go for all JP transactions’ VISA card status, Wells Fargo digital wallet support said it could be a ‘communication error’. I ran the same VISA recharge tests with Mobile PASMO and Suica live chat support, both said the card issuer side was not processing the transaction. Japanese tech journalist Junya Suzuki is looking into the issue, with luck we might get some clarity. (updated 2022-09-01 JST).

Nov 29, 2022 7:17 PM in response to dmanov

I tried but , out of more than 10 virtual cards i requested, all are visa cards. I traveled to Osaka, the Nankai line from the airport to the city have 2 gantries for visa card. I managed to tap in with apple watch (linked to revolut visa card). For the Suica, I ended up topping up using cash as there is no other way to top up the physical card without using cash. Top-up at convenience stores has to be done via cash too (which is strange as you can buy stuff with card). I didn't manage to withdraw money in 7-11 or lawson, somehow the transaction always failed.

Adding Money to Suica in Apple Wallet Fail

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