unable to add a my cards to apple pay. yes I tried the troubleshooting

Here are the steps of provisioning a card for addition to Apple Wallet and Apple Pay.

1. Check Card Eligibility — card issuer checks that card exists and is an active account in good standing.
2. Decision Making process — card issuer forwards information to Token Service Provider (TSP) which may be the Payment Network Operator (Visa, Mastercard etc.) or a third party provider such as MeaWallet
3. Using information provided by Apple and issuer, risk assessment is one of 4 paths.

A) Green path — approved without any additional verification

B) Yellow path — the requires additional verification and verification of consumer information

C) Orange path — this is unique to Apple Pay and represent high potential for fraud and requires a call to a call center

D) Red path — this is a decline. Information presented indicated significant risk.

Red path authentication has several rules.

1. As a part of Apple’s requirements when provisioning via ApplePay, issuers are required to ensure that provisioning attempts are declined when authentication attempts using CVV2 have exceeded five within 24 hours. After this limit has been reached, provisioning will be declined for 24 hours and then rejected via red flow. This rule applies to all wallet providers and all networks.
2. Any device score of 1 must be Red path
3. When certain risk codes appear together, the issuer must decline. These codes include Apple ID too new, Apple ID too new relative to how new request for provisioning, recent changes to account data, suspicious transactions, no activity in a period of time, suspended card from another account added to Apple Pay, device was recently in >lost mode<, too many attempts within 24 hours, too may attempts within 72 hours, too many cards provisioned within a period of time, no issues (too many characters or special characters), provisioning attempt in wrong location, issues with phone number provided.

“To help identify and prevent fraud, information about how you use your device, including the approximate number of phone calls or emails you send and receive, will be used to compute a device trust score when you attempt a purchase. The submissions are designed so Apple cannot learn the real values on your device. The scores are stored for a fixed time on our servers.“ Legal - App Store & Privacy - Apple

This results in scores being specific to a device, not an individual. Cards can be added to other devices, but the specific device (your iPhone) presents significant risk. Other anonymous information may also be factored into the device score. Apple does not reveal how long the information will remain a risk or how long the information is stored on Apple servers. Estimates from data points indicate at least 30 days.

Your case is unusual in several respects. Most banks are not as forthcoming in regard to information about your account. Your banker representing that several weeks may need to pass. This falls inline with the possible 30 days that devices scores may be held.

Information about the Apple ID (iCloud) is a factor. Apple and the banks are not specific. This to provide relevant information, but not disclose exact details and timelines or there won’t be as much fraud prevention.

I’d suggest carrying your iPhone, sending emails, texting and making sure you’re logged into both iTunes and App Store. Update any apps frequently and maybe buy something little like a song or two. Make sure you’ve added a payment method or two to your Apple ID Account.

Add a payment method to your Apple ID - Apple Support

You may be able to bypass the issue with your device trust issues, many bank apps can bypass the Apple Pay requirements by using the issuing banks mobile app or secure website to add the card to Apple Wallet. Have you looked into this path forward and tried adding cards that way?

Just to give you a little perspective, I’ve faced exactly the same issue for the last two and a half months and it’s definitely a trust score issue. At this point, I’m waiting for the iPhone 16 Pro Max to be released and will trade in my 15 Pro Max. If not for this Apple Pay issue, I wouldn’t as it’s relatively new and would keep it a few years. It’s frustrating. The one thing I can assure you of is despite the intent to help, if the basic steps and tricks listed in these forums hasn’t helped .. nothing and no one is going to until some unknown period of time passes. Sorry you’re experiencing this.