I cannot add my card to my Apple Wallet. I got a new phone and when I went to add it to my iPhone 15, it said card not added and to contact my card issuer. I contacted my bank, who said Apple was at fault, and I contacted Apple, who said my bank was at fault. I have tried all the methods I could find but cannot get my card to add. I even got a brand new card! Anyone have any tips?
iPhone 15, iOS 17
Have you received the terms and conditions via the Wallet app and agreed to them? The card verification is done in two parts. The first part just verifies that the account is active, in good standing, within expiration date etc. When the confirms the account, Terms & conditions are sent and when you agree to them, the more thorough verification process begins. Your card is being >Red Flow or Red Path< and is failing verification.
The verification includes location services data, Apple ID data and device data. Is the iPhone new, or used and new to you? Is the Apple ID new or have you been using it for a while? Are you logged into iTunes and Apple App Store?
Have you reported any fraud on any of your accounts? Banks share information in regard to fraudulent use. In other words, something reported 6 months ago on a different credit card, issued by another bank, could still prevent this card from being added.
The verification process, is ultimately up to the bank that issued the card. But three entities are involved, issuing bank, Payment Network Operator (Visa, MasterCard etc.) and TSP (Token Service Provider). Any one of them could be preventing the card from being added to your wallet.
Apple provides basic data, but it’s anonymous to Apple meaning they have no way of examining the data. The parties involved analyze the data using proprietary algorithms designed to detect potential fraudulent accounts being added to an electronic wallet.
Once the PNO and bank authorize the account for Apple Pay, the TSP generates a token and encrypts it and sends it to Apple servers that then added the token to Secure Element and Secure Enclave. Once the token is in the Wallet app, your payment method is ready to use with Apple Pay.
You need to ask the bank why they are red pathing or red flowing your account? It could be the PNO or TSP, but only the bank can open up a support ticket with them and seek a resolution.
Have you received the terms and conditions via the Wallet app and agreed to them? The card verification is done in two parts. The first part just verifies that the account is active, in good standing, within expiration date etc. When the confirms the account, Terms & conditions are sent and when you agree to them, the more thorough verification process begins. Your card is being >Red Flow or Red Path< and is failing verification.
The verification includes location services data, Apple ID data and device data. Is the iPhone new, or used and new to you? Is the Apple ID new or have you been using it for a while? Are you logged into iTunes and Apple App Store?
Have you reported any fraud on any of your accounts? Banks share information in regard to fraudulent use. In other words, something reported 6 months ago on a different credit card, issued by another bank, could still prevent this card from being added.
The verification process, is ultimately up to the bank that issued the card. But three entities are involved, issuing bank, Payment Network Operator (Visa, MasterCard etc.) and TSP (Token Service Provider). Any one of them could be preventing the card from being added to your wallet.
Apple provides basic data, but it’s anonymous to Apple meaning they have no way of examining the data. The parties involved analyze the data using proprietary algorithms designed to detect potential fraudulent accounts being added to an electronic wallet.
Once the PNO and bank authorize the account for Apple Pay, the TSP generates a token and encrypts it and sends it to Apple servers that then added the token to Secure Element and Secure Enclave. Once the token is in the Wallet app, your payment method is ready to use with Apple Pay.
You need to ask the bank why they are red pathing or red flowing your account? It could be the PNO or TSP, but only the bank can open up a support ticket with them and seek a resolution.
Yes, you need to remove all VPN software, and check for a VPN profile at this path,
iPhone > Settings > General > VPN & Device Management > delete any VPN associated profiles
Reset Network Settings
iPhone > Settings > General > Transfer or Reset (Device) > Reset > Reset Network Settings
Try adding your card now.
Are you using WiFi or cellular service when trying to verify? Are you using a VPN or have you ever had any VPN software on your iPhone, including the old iPhone?
Please read through this discussion I’m linking to below. You can see the solution I offered there and then we can discuss your solution.
Can't add card to wallet on new phone, wo… - Apple Community
Hi Jeff,
I tried all the solutions offered and none of them worked for me. My card is brand new so there is no way it would be marked as fraudulent. It is linked to my Apple ID but I have not bought anything with it. I don’t have it listed on any websites yet either.
Yes, after I accepted the terms and conditions the ‘card not added’ message pops up. The iPhone is brand new and I have had the same Apple ID for years. I am logged into the app store. I have never reported fraud on any of my accounts. I asked the bank on red flowing my card but they said they had no further information and to contact my wireless carrier. I don’t understand because I know the issue is with my bank account as I can add other cards, including other cards from the same bank, to my apple wallet. Thanks for the help!
I am using WiFi and I have a VPN app on my phone that I had on my old phone as well. Should I delete the app and try again?
Card will not add to Apple Wallet
