Unable to add funds to a Suica or PASMO card in Apple Wallet

I’m in Japan. Only way to top up passmo card on iphone is to go to ticket machine and top it up with cash (not credit card) using the card scanner

cannot reload or top up using any credit card or wise card anymore for now.

It’s a 3D secure issue. Japan recently changed their credit card security measures when it comes to foreigners using their cards as well as citizens using their Japan issued cards when it comes to online or digital payments. You’ll need to call your card issuer and make sure that you have 3D secure set up for each card that you plan on using in Japan. My parents live in Japan and my mom had issues using her Japanese banking cards and my dad had issues using his US based cards when they tried to make online purchases or use digital payments (Apple Pay, etc.) It was explained to them that they need to have 3D secure set up and would need to contact their card issuers. Since they did that, they no longer have any issues with processing payments. I had to do that for all of my cards as well. Some banks say 3d secure is automatically set up when you activate your Visa cards but I found out that is not the case at all. SMH

I just transferred credit by using American Express which worked. My other cards even WISE did not work and I'm in Australia at the moment.

I have the pasmo card stored in my Apple wallet.

as others said, USA visa doesn’t work to add money.

I am in Singapore so I tried my AMEX issued in Singapore and it worked.

it is unfortunate because US travel credit card gives zero foreign fees. Oh well the amount is not so much.

Are you trying this between 8 AM and 5 PM Monday through Friday? That seems to work for some.

Have you read the Apple Support article I linked below?

If your transit card balance doesn't update in Apple Wallet - Apple Support

re: Unable to add funds to a Suica or PASMO card in Apple Wallet

Wondering if Apple support's new online article may be in some way helpful:

Published Date: September 18, 2023

Add a Suica, PASMO, or ICOCA card to Apple Wallet - Apple Support

eg says:

"To add a new Suica, PASMO, or ICOCA card, you need an eligible payment card in Apple Wallet."

and

Seems you add funds to the card when you add it to Wallet ... guessing you top it up in the same way ?

"How to add a new Suica, PASMO, or ICOCA card on your iPhone or Apple Watch

1. To add a card:

• • iPhone: Open the Wallet app and tap the Add button .
• Apple Watch: On your iPhone, open the Apple Watch app and tap the My
• Watch tab. Then scroll down, tap Wallet & Apple Pay, and tap Add
  • Card.

1. Tap Transit Card.
2. Choose the card that you want to add.
3. Tap Continue.
4. Choose an amount to put on the card and tap Add.
5. Follow the steps on the screen to confirm your purchase and add your Suica, PASMO, or ICOCA card".

Check the times you’re requesting service. Some people are reporting that it only works with MasterCard. Other community members are reporting it only works between the hours of 8 AM to 5 PM Monday through Friday.

Good morning. After trying so many other times and with different cards in the past, I was finally able to add funds to my PASMO card last month. I used my Apple credit card. I have tried in the past and it has never worked til now. Not sure what changed, but it seems it is fixed.

It been reported by other community members that Suica quits working after the business hours of 8 AM to 5 PM, on Monday through Friday. You might try next week to see if it works.

How to: Use Suica, PASMO, or ICOCA cards on iPhone or Apple Watch in Japan - Apple Support

Top up your transit card with Apple Pay - Apple Support

What to do: If your transit card balance doesn't update in Apple Wallet - Apple Support

Please take this with a grain of salt, but some cards are reported to work, when used in Japan. This could be an issue of various settings on iPhone and also GPS data. In other words, cards that don’t work in US, may work when the account holder is physically in Japan.

Thank you kindly for your reply.

Re: I wanted to know *which* credit/debit cards were successful for adding funds to existing Apple Pay Suica or PASMO cards.

Sorry I do not know which particular cards are eligible for use with Suica or PASMO in which countries. (We are all Apple-users, like yourself, in the community. )

The closest info., may be the lists of "Apple Pay" participating banks in the various countries, reached through this article: Countries and regions that support Apple Pay - Apple Support

If needed: Apple Pay Support have a webpage online with contact info.

There is a "Get support -start now" link at the bottom of their web-page.

Apple Pay - Official Apple Support

Also, if you would like to see improvements, there is a web-form online for Apple Pay feedback that will reach those who work behind-the scenes:

Feedback - Apple Pay - Apple

All the best with your upcoming trip to Japan!