Credit and Debit cards not added to Apple Wallet on a single device - iPhone 15 Pro

Update in case anyone is searching in the future:

Apple came back and confirmed two things: 1) Not being able to add my Apple Account balance to my wallet is a bug they are aware of and will likely fix in a software update 2) Not being able to add credit cards is being caused by rejections from the Network (VISA/MASTERCARD/ etc).

In the meanwhile, last night I was able to randomly add all my credit cards and apple account balance to my Apple WATCH successfully without having to call anyone. I was happy with this because I could use Apple Pay like normal finally.

Trying to add credit cards to my iPhone wallet continued to return "cannot add card". I tried one of the tricks mentioned on this forum yet again - disable my passcode, then enable it again - and that allowed me to add some of my cards to my iPhone wallet via the "Previous Cards" section of the wallet. However, I was still required to call the bank to complete verification, something they were actually able to do!

So overall I am unable to identify a specific solution. It may be a combination of time, resetting things on your phone/watch, and calling your bank. I am now in an acceptable state of being able to use Apple Pay for the most part. If the issue ever completely resolves, I will update.

The issue is the user (you in this instance) is getting advice from multiple sources. Your basic tier 1 support personnel at a bank doesn’t understand how Apple Pay works or an iPhone works. Yet users encountering more complicated issues prefer listening to the bank as opposed to people that understand Apple Pay and iPhones.

I can propose a solution that will almost definitively point to the issue and confirm it’s not a hardware (iPhone issue) but a bank or payment processor/network issue.

Go online and create a new Apple ID. Don’t worry your existing Apple ID and associated data are safe. Make sure you know your password etc.

Log out of your old/existing Apple ID and log into the new ID.

Restart your device.

Log into your new Apple ID, then try adding a card to your Apple Wallet app.

If the card adds, it’s a bank issue.

If it doesn’t add, it’s an Apple issue.

This method is very accurate. What’s it prove? The issue is outside what Apple can resolve without the co-operation of the bank and/or the payment network.

I know this is harsh. I wish there was a way to express it less bluntly. I never intend to insult, just resolve issues.

If you’re game, I'm willing to assist any way I can. If you’re near an Apple Store, they can assist. Apple Support online/phone can assist too. You can point any Apple Support person to this thread too. Here’s the link,

Credit and Debit cards not added to Apple… - Apple Community

Take some time to mull it over and I’m happy to continue to discuss and/or explain.

Don’t take two words out of context. The complete thought is; >>and App Store account activity (for example, whether you have a long history of transactions within iTunes).<<

How the third party verifier uses that information is determined by them and the bank. Apple is just transmitting data. Not scoring the risk of fraud. That’s what the bank and verifier do, appraise risk.

What the second quote of yours actually says is >>Account or device history of adding payment cards<< Again, Apple just sends data, banks are using that as needed for appraising risk of fraud.

Your third attempt at placing blame is also misleading because again, you left out context.

One of the steps that Apple does is have the owner erase and reset the iPhone. This would erase any history that the iPhone would transmit about account activity on the phone, phone activity, number of calls and >>device history of adding payment cards.<<

The issue is with the bank and third party verifier. The very fact that a wrong phone is on one account, is enough of an issue to indicate fraud for most banks. In my experience answering hundreds in this community, posts similar to the original posters, the issue is the bank. When the number gets fixed, in 7 to 10 day (occasionally sooner) the card gets verified and is added to the Wallet.

So ultimately, the article outlines what provisioning steps and information are encrypted and sent to the bank and the verification service they use. Nothing more. Your leap to concluding Apple has some scoring system is false. If you’re looking to blame someone, talk to the bank and find out the company they use for verification.

Sorry, but what doesn’t make sense is why you’re looking at SIM cards? The wrong phone number is with either a bank or a payment network (Visa, Mastercard etc) or a third party verifier like LexisNexis. Your SIM or cellular provider have nothing to do with this.

Please read all the comments/posts in this thread.

Apple wallet issues - Apple Community

The issue for you is finding exactly who is doing the verification process for each bank. Many times it is the network (Visa, Mastercard, Am/Ex and Discover), but it can be a merchant services provider or the bank itself.

That was my post actually. If you research the historical posts on these forums, you'll see different methods of removing cards, resetting things, and trying to add them again to maybe fix this issue.

In order to use Apple Pay, you need to have a passcode/faceID on your iphone. If you disable the passcode, all the cards in your wallet will be removed. Sometimes, this may "reset" things such that you will have success adding some cards back. The risk here is that if you already have cards working in your wallet, and you remove them through this method, you may end up just getting "cannot add card" on those as well.

In summary: Remove passcode/faceID from phone, thus deleting all your cards. Then add your passcode/faceID back again. Then try adding the cards to your wallet.

I have the same issue and I'm not able to add my cards to apple pay. Unfortunately the banks and apple keep pointing the finger at each other. Until the guy from central payments at Wells Fargo said it's your Apple trust score and that logging out of your icloud account and logging back into it using your replacement iphone 15 promax probably triggered it. But Apple doesn't specify how long or how to your Apple trust score. So I was told by wells Fargo to use my phone and try it again in a few weeks. I have this issue with 11 different credit and debit cards Visa, Mastercard, discover and American express. Same thing I spent 3 hours on the phone with a senior advisor from apple who told me I need to contact the payment network operatiors and havr then reset the security token for my cards. But I have this issue with cards I have never added to apple pay. I used my mother's iphone 12 and it let me add a card to her wallet that could not be added to my wallet.

I am having the same "Card Not Added" issue.

Most banks are using Apple's device trust score if it is below than 3 your card can not be added to your wallet Apple's device trust score is a numerical score that helps prevent fraud and security issues. It's based on information about how you use your device, such as the number of emails or phone calls you send and receive. Apple uses the score to determine if you're the only person making purchases on your iTunes account

Apple computes a device trust score on your device when you attempt a purchase using information about how you use your device, including the approximate number of phone calls or emails you send and receive

Summary:

everything in Apple's hand

I didn't say that. It seems that Apple assigns device trust scores to devices, and this score is transmitted from apple servers to bank servers as part of the auto verification process. So if the device score is "not good" or whatever, the banks will either auto reject or maybe they will require manual verification. To add, I also can't add my apple account balance to my phone, but I can add it just fine to my apple watch just fine. Device scores are mentioned at these links:

Legal - Apple Music & Privacy - Apple

Can't add ANY cards to apple Wallet on mo… - Apple Community

How do I Fix device score of 01 so I can … - Apple Community

It sounds like all four of the banks are using Visa and MasterCard for the verification of your cards. Some banks do their own verifications, others use a third party, typically Visa and MasterCard. There is something happening on the verifiers end (probably Visa or MasterCard) that causes them to not add your card. All the iPhone does at that stage is transmit and receive data from the verifier at that stage. It can’t reject adding your card, the bank accepts or rejects the card after the code is entered, or the verifier just adds the card.

How often have you tried adding the card in the last 7 days?

That’s not research, that’s unsubstantiated. There’s not supporting evidence. The bank is using a third party verifier and that’s there internal mechanism for measuring potential fraud.

>>Provisioning Apple Card

Information may also be provided by Apple to Goldman Sachs or Mastercard to enable and set up your Apple Card on Apple Pay, and to prevent fraud. The information shared is no different from when you provision any card with Apple Pay, and may include:

• The name and billing address associated with your Apple ID
• General information about your Apple ID, iTunes, and App Store account activity (for example, whether you have a long history of transactions within iTunes)
• Information about your device and, if using Apple Watch, the paired iOS device (for example, a device identifier, phone number, and the name and model of your device)
• Coarse location at the time you add your card (if you have Location Services enabled)
• Account or device history of adding payment cards
• Aggregated stats relating to the information from payment cards you’ve added or attempted to add to Apple Pay

To help you set up cards that you have, or have recently had, on other devices, Apple stores a card reference with your iCloud account that can be used with the card issuer or payment network to re-add the card after entering the security code.<<

Legal - Apple Card & Privacy - Apple

The article I quoted is specifically about Apple Card Mastercard, but as you see, Apple also references other cards when added to Apple Pay.

Ultimately that link is also saying that apple is sending information including "account activity", "account or device history" and "aggregated stats". So something is going wrong in the exchange of information between the two entities and we, the customers, are suffering as a result, while both entities are unable to offer a solution. Have you encountered this problem before and if yes, how did you solve it?

That’s only partially accurate, at best.

>>Information that you provide about your card, whether certain device settings are enabled, and device use patterns—such as the percent of time the device is in motion and the approximate number of calls you make per week—may be sent to Apple to determine your eligibility to enable Apple Pay. Information may also be provided by Apple to your card issuer, payment network, or any providers authorized by your card issuer to enable Apple Pay, to determine the eligibility of your card, to set up your card with Apple Pay, and to prevent fraud.<<

Apple Pay security and privacy overview - Apple Support

This is an example of a typical decesioning process.

Did Apple Support have you either reset network settings or reset all settings?