Apple wallet saying invalid card

You can add your credit, debit or prepaid cards from participating banks and card issuers in these countries and regions:

Wallet App:

Added cards in the Wallet App uses Apple Pay, it's important to note that the ability to add a Debit/Credit Card to Apple Pay is dependent on the country associated with your Apple ID. For instance, if you reside in a country like India where this feature is not supported, you won't be able to add your cards to Apple Wallet. --> Countries and regions that support Apple Pay

Apple Pay is accepted anywhere you see these symbols and marks 

You want a lesson in Apple Pay and that’s OK with me. I’ll post some links below. But first, lets see if we can solve the issue of adding your card to your Wallet.

Do you think there is an issue with your name etc.?

Are you using a VPN or do you have a VPN installed on your device? If so, you must delete the app and move the profile from the Settings app.

Are Location Services available (enabled) on your device, including your Wallet app?

Have you tried using both WiFi and cellular to add your card?

Please review this article on Apple Pay. It’s not the terms and conditions, that’s how the card is operates, not the provisioning of the card by the bank and payment network operator (Visa, MasterCard etc.).

Card provisioning security overview - Apple Support

Always happy to answer questions.

You’re in what is know as the <Check Card> process. The card information has been encrypted sent to the Apple Pay servers. Your CVV number has not been sent yet. CVV security code is part of the verification process and is sent after you agree to the terms and conditions. Since you haven’t received the T&C, your card failed Check Card.

Something is possibly wrong with the name, expiration date, or card number. Be sure you aren’t entering extra digits or spaces or any special characters. Names with accents etc. can be an issue.

Other things to check, are your Apple Accounts. Are you logged into your Apple ID? Do you have multiple Apple ID’s, are you logged into Apple App Store and Apple iTunes Store?

Are you Apple Store accounts in good standing?

Is Location Services enabled for Apple Wallet on your device?

Review your Location Services and please follow this path,

iPhone > Settings > Privacy & Security > Location Service (On) > Location Service (On/green), scroll down to Wallet > please make sure precise location is enabled and While Using the App is enabled.

I’m still looking for the article I need to help with your understanding of Apple Pay. While I do that, please continue troubleshooting your issue. This will lead to solution.

I think that’s the issue. Apple, issuing bank and the TSP (Token Service Provider) evaluate the risks associated with adding your card. The combination of new card, past fraud alert and probable low activity on new card, have flagged the account as a higher risk. The decision to restrict the card is ultimately the banks. However banks rarely overrule the TSP or Apple guidance.

My advice is give it a little time for the account to age and get some transactions on it. Since you’ve added it to your Apple ID Account it hopefully gets a few transactions on it from Apple.

They know, but can’t say. Banks operate on secrecy when it comes to possible fraud and risk. It’s not all the banks fault. The Bank Secrecy Act, a Federal banking regulation, actually prevents banks from revealing a lot of the inner workings and decision making.

You wanted to learn, so here is good primer.

https://en.wikipedia.org/wiki/Bank_Secrecy_Act

There are actually 4 holds. A 24 hour hold when the CVV2 is attempted 5 or more times. If your bank, or their TSP has it set to 3, that’s lower than required. There is also a 72 hour hold, 7 day hold and 30 day hold. Each one triggered by various levels of risk/fraud, and actions are the part of the card holder/owner.

You’ll notice my advice above to give it little time. This will allow a potential hold or two to fall off.

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