I am unable to add a card to my Apple Wallet

Dear Sheba0403,

in my time working with apple devices including apple wallet, I have never heard of this in my time.

have you tried it on another Apple ID, on the same device?

if not, please try that... and, if you have another apple device with the same Apple ID on it, try on that device.

let me know how that goes, and if you have any more questions, reach out!

thanks

killian.

[Edited by Moderator]

Yes, that’s 100% correct. The only thing I may add is some banks gather information about fraud from a third party, such as Lexus/Nexus, in addition to and instead of the Payment Network (Visa Et Al).

Yes this is correct. try reach out to your bank and ask that this profile/token be removed, that way you can add your details to Apple Pay. I'm not convinced that this is an issue with Apple.

When Apple does provisioning certain device information is sent to the verifier. The true test would be a new Apple ID on a new iPhone. This is why a card can be added to a different device with a different Apple ID.

I feel like this is a security issue or a security response with your bank. Apple simply hosts your card information providing you with the privilege to use your card virtually, whilst the bank typically runs it through many checks before it is released to Apple Pay. something with the bank is triggering an issue and stopping it from continuing. ask to speak with card security at your bank to get this problem looked into, as it may not be seen by specific departments in your bank, card security is your way to go!

any more questions, reach out!

thanks

killian.

Doesn’t surprise me Visa tier 1 support has no clue. This isn’t the type of issue they normally deal with. In my experience the contact has to be initiated by the bank.

Actions on your end would be trying to reach a support team member at the bank. If the bank contacts the provider network it gets resolved quickly.

Another possibility is a limit on the number of tokens (some inactive) associated with the device. Again, it’s usually the provider network that needs to manually remove the tokens for the device. I’m guessing but some banks may be able to remove tokens and it appears the tokens will expire after a period of time.

This is helpful information, but so far the bank has been unable to help with resolving this "Card Not Added" issue. The bank says they also get errors on their end when trying to do anything with my digital wallet. When I mention payment network operator they say they have no way of communicating with them. I may try a few more times, but as with everyone else, I'm currently stuck in jumping back and forth between the banks' customer support and Apple support. Apple has opened a case for me as well to investigate, it will be interesting if they return the same response.

Apple only has encrypted information about your account/card they would have no way of providing any necessary information about your account to the payment network. This is an issue that needs to be resolved between the bank and the payment network.

When you add your information to Apple Pay, you have 2 Different Card Numbers:

1. Your Original Bank Card Number
2. Your Encrypted Apple Pay Card Number

apple masks your real card details using their own system which creates a unique card number for yours, making it more secure online for you.

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. 😀

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.

Ok so some updates:

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.