Apple is not a bank and doesn’t verify you or your credit card account. Your bank is doing what is called Red Path Authentication and blocking your card. Some banks use the Payment Network Operator (Visa, MasterCard etc.) to verify accounts. When one bank does Red Path Authentication, other banks usually do it as well, as a safety precaution. You’re going to have to work with your banks to resolve the issue.
>>Yellow path authentication functions within a three-color coding system that uses a scorecard to measure identity theft risk. When a user attempts to add a credit or debit card to a digital wallet, the digital wallet provider (Apple) contacts the issuing bank to assess identity theft risk. The bank uses a scorecard system to measure the risk, and the result is simplified by representing it using a color code:
- A green path result indicates that a user has passed the scoring system’s basic identity verification checks, and the payment method is cleared by the issuing bank to be added to the digital wallet
- A yellow path result indicates that the user has failed to pass one or more identification verification scoring criteria and additional verification checks need to be done before the payment method can be added
- A red path result indicates that the user has failed to verify their identity, and the attempt to add the payment method is rejected by the issuing bank<<
Most cards/individuals are Yellow Path and are required to add additional verification. The additional verification may be in the form of an email, One Time Passcode (OTP) via text or a photo call.
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