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

Cellular information is not relevant in any manner related to confirming payment cards.

Who told you it was?

Those sound like two different issues:

1. The "cannot add card" is a bit of a random problem, where you can try a bunch of resetting tactics and calling your bank and waiting an unspecified amount of time until things start working again.
2. I don't have the watch with a cellular plan, but the Apple Watch eSim is something that your carrier should be able to set up. Can you perform a complete reset of the watch (deleting the esim), and then working with your provider to add it back to the watch?

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.

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.

Exact same issue here with 3 specific credit cards, the rest can be added fine

Please create your own thread. It gets impossible to help people when multiple people participate in another persons troubleshooting thread. While the error message may be the same, the solution can easily vary and it spams the other community member with posts and solutions they have already tried. If you create your own thread, you’ll get assistance.

I think this a greater issue with Apple as my issuer says they’ve received this call about this error multiple times this week.

This is happening with another credit card from a different issuer as well.

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

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.

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This is an example of a typical decisioning process.