Apple has nothing to do with verification. Apple is not a bank and did not issue your card. Only the issuing bank and payment network (Mastercard, Visa etc.) can verify your account information and identity.
>>Adding additional verification
A card issuer can decide whether a credit or debit card requires additional verification. Depending on what’s offered by the card issuer, the user may be able to choose between different options for additional verification, such as a text message, email, customer service call or a method in an approved third-party app to complete the verification. For text messages or email, the user selects from contact information the issuer has on file. A code is sent, which must be entered into Apple Wallet, Settings or the Apple Watch app. For customer service or verification using an app, the issuer performs their own communication process.<<
Adding credit or debit cards to Apple Pay - Apple Support
Card provisioning security overview - Apple Support