I am unable to add a card to my Apple Wallet

I’m having the same issues as everyone else with not being able to add my card to my apple wallet . I believe the issue is with Apple and this is why; I was successfully able to add the same cards to my friend’s Apple wallet with no problem.

I reached out to my card issuer (RBFCU) and they too were unsuccessful with adding the card to my Apple wallet. I was told by the card issuer they received a message stating my Apple account has a FRAUD alert from a previous debit card that was attached to my apple wallet. which is preventing them from adding my card to the wallet on there end.

I reached back out to Apple support and was told I don’t have any alerts on my Apple account. And the message the card issuer provided to me was untrue.

I have performed every trouble shooting theory the support community has provided and still no success. I have reached out to Apple support 10 or more times and still no success. I have even went to the Apple Store and still no success.

Per my case rep he has escalated my case to the development team for further investigation.

Can someone tell me if a Fraud alert on the Apple account is really a thing and how do I get this resolved?

[Re-Titled by Moderator]

iPhone 12 Pro Max

Posted on Mar 2, 2024 1:35 PM

Top-ranking reply

Sheba0403 Author

Level 1

14 points

Posted on Mar 2, 2024 1:53 PM

Update: Per my case rep.

When a card is added to the wallet for use with Apple Pay, user and device specific information is sent to the card issuer during the card add request. Adding a card to another device passes along a unique device identifier, Apple ID details, etc. during the request. When successful, a new Device Account Number is created for that specific device by the card issuer. When removed from the device, the Device Account Number token is typically removed from Visa’s system. If this does not get removed, Visa’s system may still show an active Device Account Number for your specific device and reject requests for a new Device Account Number from the same device.

This can also be seen with cards that can successfully be added to an iPad and Apple Watch owned by the same Apple ID user but may have the request rejected when trying to add to the same user’s iPhone if the financial network thinks that there is still an active Device Account Number for that device.

Card issuers have the ability to contact Visa/Mastercard/Discover/American Express to remove previous provisioning that Apple cannot alter.

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19 replies

Jeff Donald

Level 8

44,520 points

Mar 2, 2024 5:35 PM in response to killian198

killian198, Im curious, I know 20 year bank veterans that don’t know this much about Apple Pay and interworking of banks and payment networks. Did you work in the industry, a developer or what’s your background? Don’t mean to pry, just curious, that’s all. 😀

Mar 3, 2024 5:05 AM in response to Jeff Donald

Hi Jeff

thanks for reaching out. your answer is no, I didn't work in the industry, but I have learned to help alot of people overcome this issue. I had this issue myself actually, hence I know the way of getting out of it.

thank you

Killian.

May 10, 2024 7:55 PM in response to Sheba0403

Same thing going back-and-forth to Apple support and the bank and they all tell me the same thing

Jeff Donald

Level 8

44,520 points

May 11, 2024 6:27 AM in response to escalante0862

What is the error message you receive when you try to add a card?

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I am unable to add a card to my Apple Wallet