I can’t add my Halifax card onto Apple Pay?

Here are some things you can try;

• • “Contact your card issuer to see if they support Apple Pay.
  • Update to the latest version of iOS, watchOS, macOS, or visionOS.
  • Confirm that you have Face ID, Touch ID, Optic ID, or a passcode set on your device. 
  • Make sure that you are in a supported country or region.
  • Check that your device is compatible with Apple Pay.”

I’d also add, turn off any VPN and try using both cellular and WiFi.

If you can't add a card to Apple Wallet to use with Apple Pay - Apple Support

You may want to read these two threads, so you have an understanding of the troubleshooting process.

Apple Pay does not allow adding my Card - Apple Community

Apple Pay, Unable to link card contact Ca… - Apple Community

Ultimately, the solution seems to be wait or fully reset your device and don’t do a restore. I’m more than happy to run through all the troubleshooting steps including some that haven’t been mentioned above. You can run through the troubleshooting with Apple Support and they can also do remote diagnostics on the remote possibility it’s a hardware issue. I doubt hardware though because you received the Terms and Conditions.

Yes, and the bank can tell you if the tokens assigned to the card is approaching the limit. Banks limit the number of tokens that can be associated with the account/card. So, adding the card to a number of devices can cause issues.

Just let it sit a couple of days and try it once.

Have you agreed to the Terms & Conditions yet?

What’s the error message you receive when you try to add the card?

No, that’s very common. Everything is device specific. The multiple attempts is probably still affecting your device.

There are several unique identifiers for your device that are shared with both the issuing bank and payment network operator.