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

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?

Can confirm I have been having this same issue and gone through the same troubleshooting steps. I started encountering this after upgrading/restoring from an iphone 11 to iphone 13. Based on my research I suspect there is a device trust score that Apple algorithmically applies to devices, and I guess the upgrade and restore process triggered it to block our phones? Of course, no one knows anything about it and can't seem to help. Only solution I've seen on these forums is to just wait and hope it resolves itself after weeks/months. Very frustrating.

Apple doesn’t and can’t verify a credit/debit card. They aren’t a bank. They don’t own the account/card. That’s just false information.

What research? Reveal a source, link anything that supports what you’re saying.

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?

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.

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.

Hi, could you please explain detailed, how you could add your card with these tricks? I am facing the exact same problem, can't even add any card to my Wallet (I could, but then one was unsuccessful, deleted, and now none is functioning), and my phone is completely useless.

Yes, but I meant what you wrote: "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." How did you do this trick detailed?

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.