Hi applesupportscott,
The following steps address what you're describing with Apple Pay, and should provide a solution:
- "Check that you're able to use Apple Pay:
2. Check for services outages or connection issues.
3. If you see the message "Could Not Add Card" or "Invalid Card," contact your bank or card issuer.
Apple does not approve or decline cards for use with Apple Pay. If your card was declined, contact your bank or card issuer.
If you need help adding a card, learn how to set up Apple Pay."
You can find these steps along with other information that may be helpful, here: If you can't add a card to Apple Wallet to use with Apple Pay - Apple Support
If you have followed the steps correctly and you still have the issue, let us know if you get any specific alerts or error messages when trying, as those may help us determine what might be causing the issue.
We also recommend restarting your device and keeping it updated as those steps assure you have cleared out any minor software issues and are running the most current version.
Restart your iPhone - Apple Support
Update your iPhone or iPad - Apple Support
If you still have questions, reach out to Apple Support directly, as this may require closer guidance: Get Support
Cheers!