I have iPhone SE and iOS is up to date (17.5.1). I've been trying to add my Fidelity credit card and debit card to Apple Pay but no success. Error message says 'contact my bank.' So I called Fidelity and they told me they could not see the request. So I'm stuck. I updated Payment and Shipping info, but no help either. Any other ideas?
iPhone SE (2nd generation)
Ok, you have passed the initial identification process. That happens before the terms and conditions are available from the bank.
>>If a terms and conditions ID is returned with the Check Card process, Apple downloads and displays the terms and conditions of the card issuer to the user. If the user accepts the terms and conditions, Apple sends the ID of the terms that were accepted as well as the CVV to the Link and Provision process. Additionally, as part of the Link and Provision process, Apple shares information from the device with the card issuer or network. This includes information about (a) the user’s iTunes and App Store account activity (for example, whether the user has a long history of transactions within iTunes), (b) the user’s device (for example, the phone number, name and model of the user’s device plus any companion Apple device necessary to set up Apple Pay), and (c) the user’s approximate location at the time the user adds their card (if the user has Location Services enabled). Using this information, the card issuer determines whether to approve adding the card to Apple Pay.<<
Adding credit or debit cards to Apple Pay - Apple Support
If you bank hasn’t seen the request, it’s because they are using a Token Service Provide (TSP). The TSP is typically the Payment Network Operator (PNO — MasterCard, Visa etc.). The card issuer would likely see the request so, the TSP may be blocking the card from being added. Your bank will need to contact the TSP.
You can try bypassing some of the process if the banks app or website allows you to add the card directly to the Wallet. Some banks, as a service to their customers, can <push> the card to the Wallet, but only after additional verification steps.
Ok, you have passed the initial identification process. That happens before the terms and conditions are available from the bank.
>>If a terms and conditions ID is returned with the Check Card process, Apple downloads and displays the terms and conditions of the card issuer to the user. If the user accepts the terms and conditions, Apple sends the ID of the terms that were accepted as well as the CVV to the Link and Provision process. Additionally, as part of the Link and Provision process, Apple shares information from the device with the card issuer or network. This includes information about (a) the user’s iTunes and App Store account activity (for example, whether the user has a long history of transactions within iTunes), (b) the user’s device (for example, the phone number, name and model of the user’s device plus any companion Apple device necessary to set up Apple Pay), and (c) the user’s approximate location at the time the user adds their card (if the user has Location Services enabled). Using this information, the card issuer determines whether to approve adding the card to Apple Pay.<<
Adding credit or debit cards to Apple Pay - Apple Support
If you bank hasn’t seen the request, it’s because they are using a Token Service Provide (TSP). The TSP is typically the Payment Network Operator (PNO — MasterCard, Visa etc.). The card issuer would likely see the request so, the TSP may be blocking the card from being added. Your bank will need to contact the TSP.
You can try bypassing some of the process if the banks app or website allows you to add the card directly to the Wallet. Some banks, as a service to their customers, can <push> the card to the Wallet, but only after additional verification steps.
Are you manually entering the card information or using the iPhone camera? Does your card information (Name, address) match your Apple ID name and address? Are you logged into your Apple ID? Are you logged into your Apple App Store and iTunes Store? Have you made any recent purchases on iTunes or App Store?
Does your payment and shipping information match your Apple ID? Are you using a VPN? Is the card on any other devices such as iPad, Apple Watch etc.?
Have you received the terms and conditions and agreed to them, as part of the verification process?
I tried both manually and camera. Same result.
Yes to matching info.
Yes to log in.
Yes to login into App Store.
No to iTunes. I have no iTunes account.
I have not purchased anything from App Store or iTunes.
This becomes way too complicated for me. Fidelity allows adding cards to digital wallets like Apple Pay, google pay, pay pal. But if they cannot see my request, they cannot do much. I'm wasting too much time on this. Time to go back to well tested paper money. Or I will try Google Pay.
Thanks for your help.
Google Pay uses a less secure method and it should add easily. Apple Pay uses tokenization and Google Pay uses magnetic stripe emulation.
Basically, Fidelity is just not wanting to provide any CS. It also shows a lack of training and understanding of the process.
Sorry for the experience and hope you enjoy the rest of your weekend.
Yes to the first, No to the second and the third.
yes, and agreed.
I cannot add cards to Apple Pay
