What Payment Network (Mastercard, Visa, etc.) are they on?
When you manually enter card information here are the three steps (calls) that happen from Apple’s servers.
>>When a user adds a credit, debit or pre-paid card (including store cards) to Apple Wallet, Apple securely sends the card information, along with other information about user’s account and device, to the card issuer or card issuer’s authorized service provider. Using this information, the card issuer determines whether to approve adding the card to Apple Wallet. As part of the card provisioning process, Apple Pay uses three server-side calls to send and receive communication with the card issuer or network:
- Required Fields — card number, expiration date, name as it appears on card etc.
- Check Card — If a terms and conditions ID is returned with the Check Card process, Apple downloads and displays the terms and conditions of the card issuer to the user. If the user accepts the terms and conditions, Apple sends the ID of the terms that were accepted as well as the CVV to the Link and Provision process. Additionally, as part of the Link and Provision process, Apple shares information from the device with the card issuer or network. This includes information about (a) the user’s iTunes and App Store account activity (for example, whether the user has a long history of transactions within iTunes), (b) the user’s device (for example, the phone number, name and model of the user’s device plus any companion Apple device necessary to set up Apple Pay), and (c) the user’s approximate location at the time the user adds their card (if the user has Location Services enabled). Using this information, the card issuer determines whether to approve adding the card to Apple Pay.
- Link and Provision — at this point the card has been provisioned by the bank or payment network and is linked to Apple Pay/Apple Wallet. Apple notifies bank and payment network card is ready for use with Apple Pay.
The card issuer or network uses these calls to verify, approve and add cards to Apple Wallet.
Apple does not and cannot block a card from being added. Your bank or payment network is blocking the process and not sending the provisioned card data for adding to Apple Wallet.<<
The entire process is outlined in the Apple Support articles I linked to below.
Card provisioning security overview - Apple Support
Adding credit or debit cards to Apple Pay - Apple Support
The card not added notification indicates either the bank or payment network failed the cards. They are not provisioned and cannot be added. The fact the same cards were added to Apple Watch or any other device doesn’t mean the bank or network isn’t blocking your iPhone. Each device is unique and treated as such.
One common issue is trying to add the cards too many times in a short period of time. This is a common behavior of bad actors with stolen card information and banks and payment networks can see the number of attempts. Another issue is having too many tokens assigned per card. As part of the provisioning process tokens are assigned to the card. Some banks limit as few as 10 tokens, while others permit the maximum (99).
In my experience the issue is usually the Payment Network and tier one support staff not aware the Payment Network is even involved in the process. If you can escalate the issue high enough within the banks support structure it can usually be resolved.
One more question. Please follow this path,
iPhone > Settings app > General > About > do you see an SEID number?
