Although my card is added as a payment method, I cannot link it to Apple Pay

Question

Although my card is added as a payment method, I cannot link it to Apple Pay

I had linked my card with Apple Pay to pay for apps. A couple of months ago it just stopped processing these payments. I have removed the card completely and re-added it as a payment method, but I still can't link it to Apple Pay. This is separate from adding it to the wallet which works fine. Amex says everything is good on their side. Unable to add card. There was a problem when trying to add this card.

[Re-Titled by Moderator]

iPhone 11 Pro Max, iOS 17

Posted on Jun 1, 2024 6:16 PM

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Answer 1

Top-ranking reply

Jeff Donald

Level 8

44,628 points

Jun 2, 2024 10:31 AM in response to paper-infinity

So, the AmEx card is in both your Apple Wallet app and Apple ID Account. If you want subscriptions to be charged to the card make sure it is the first payment listed in your Apple ID Account.

Please follow this path,

iPhone > Apple ID (Your Name near top of screen) > Payment & Shipping > Edit > AmEx card move to top of list of cards > Done (top right corner of screen)

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Answer 2

Jun 3, 2024 10:54 AM in response to paper-infinity

Under the Wallet I discovered that Apple Pay has its own card number. On a hunch, I asked Amex to remove the link to Apple Pay. I removed the card as a previous card (not sure if that's important) and added the card back to Apple Wallet. I then added the card as a payment method and was able to link the card to Apple Pay. Not sure why or where the process chain broke but this worked for me to rebuild.

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Answer 3

Jeff Donald

Level 8

44,628 points

Jun 2, 2024 5:06 PM in response to paper-infinity

When you talked to American Express did they see any of the attempted charges by Apple for the subscriptions?

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Answer 4

Jeff Donald

Level 8

44,628 points

Jun 2, 2024 7:52 AM in response to paper-infinity

You can add a payment method (credit and debit cards) to your Apple Wallet app and your Apple ID account. You cannot add a card to Apple Pay, but you can use a card with Apple Pay. Apple Pay is a service for securely transacting purchases/payments with a merchant.

Now, where exactly is your American Express card, Apple ID account or Apple Wallet app?

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Answer 5

Jeff Donald

Level 8

44,628 points

Jun 2, 2024 9:43 AM in response to paper-infinity

Please try adding the card directly to Apple Wallet app rather than linking through your Apple ID. If it fails in the Wallet app, you’ll be given a more detailed error message that may help diagnose the issue, if it continues.

Please follow the steps in this support article for adding credit/debit cards to your Wallet.

Set up Apple Pay - Apple Support

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Answer 6

Jun 2, 2024 3:46 AM in response to paper-infinity

Moderator has retitled my post so that it is now inaccurate, and I cannot change it back. The description is accurate. The card works fine both as a card and in the Wallet. My problem is that although the card is added as a payment method, I cannot link it to Apple Pay. "There was a problem when trying to add this card."

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Answer 7

Jun 2, 2024 9:30 AM in response to Jeff Donald

I'm having trouble under Apple ID > Payments and Shipping, "Link Card with Apple Pay". I am able to add the card for payments, but not link the card with apple pay. "There was a problem when trying to add this card."

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Answer 8

Jun 2, 2024 10:05 AM in response to Jeff Donald

The card was added a year ago and currently works fine in Apple Wallet despite not Linking with Apple Pay. Until a couple of months ago the card also was Linked with Apple Pay with app subscriptions running through it.

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Answer 9

Jun 2, 2024 11:11 AM in response to Jeff Donald

Thanks for your time and help Jeff.

In the first screen below you will find my Amex listed first as a payment method. You will also see the alternate card I had to add when the Amex stopped working and see the alternate card linked to Apple Pay. Finally, you will find a visual note that the Amex is not linked.
In the second shot you will find the button to Link with Apple Pay for the Amex.
In the third shot you will see the error I get at the end of the process to link with Apple Pay.

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Answer 10

Jeff Donald

Level 8

44,628 points

Jun 2, 2024 11:54 AM in response to paper-infinity

OK, thank you for sharing the information. When you tap your Wallet app is you AmEx card in the Wallet?

My same card is in my Wallet, which is used for Apple Pay purchases.

When I tap the card in my Wallet app, I see recent Apple Pay transactions. Note the Apple charge via the same card in my Apple ID Account.

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Answer 11

Jun 2, 2024 4:28 PM in response to Jeff Donald

The card shows in my Wallet. When I tap the card in my wallet, I do not see any charges to Apple in the latest transactions. When I review that credit card statement, there have not been any charges to Apple since April 28. I was originally alerted to a problem when my app subscriptions complained. The card statements indicate I originally set up the card in Apple ID January 2020.

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Answer 12

Jun 3, 2024 10:31 AM in response to Jeff Donald

Great idea. They do not see any attempted charges. But, if the card was de-linked I would not expect to see any. Would you expect to see a "test charge" due to trying to Link?

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Although my card is added as a payment method, I cannot link it to Apple Pay

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