Resetting and Restoring can apparently get you fraud flagged by your bank.

Oh, the dreaded [Card Not Added: Contact your provider for information.]

I've had to restore my device a few times due to some system instability. Naturally, I re-add my cards every time. My bank appears to not like that very much and I've had to go in branch 3 times now and have a banker call on my behalf to have my cards "unblocked" in the system for mobile wallets. This process is long and exhausting for myself and the banker as each instance takes over 1.5 hours to resolve. Yet, once resolved... the fix is very short lived. The card will either stop working or just wont add period.

I understand that Apple has likely their own Fraud prevention systems that likely work in tandem with supported banks but why do I get penalized when I'm trying to simply fix an issue with my device. I've signed in with the same information I've been using for years. I'm adding the same apps, the same cards. I just do not understand.

The bank has done everything in the system they can possibly do and it just does not resolve. This happens across a number of financial institution products I use with Apple Wallet.

I've essentially been told 'tough luck' from all points of contact.

Has anyone encountered this issue before, what did you have to do to resolve?

As far as apple support goes, I've called in a long time ago for the same issue. I was basically just told to contact my bank. Not helpful!

Thank you.

iPhone 15 Pro Max

Posted on Aug 5, 2024 11:43 AM

Top-ranking reply

Jeff Donald

Community+ 2026

Level 8

48,110 points

Posted on Aug 5, 2024 12:10 PM

You understand wrong. Apple supplies encrypted data to your bank(s) and they use their own custom algorithms to analyze the data and decide if the account is fraudulent or not. Apple data includes,

When you add a card to Apple Pay, card-related information, location, and information about device settings and use patterns may be sent to Apple to determine eligibility.
Some of the above information, account-related information, and paired-device details may be shared with your card issuer or bank to determine eligibility and for anti-fraud purposes.
When you use Apple Pay in apps and on the web, information necessary to process the payment is shared with the app or website. Your actual card number isn’t shared with the merchant.
Apple Pay data that can no longer be tied to you may be used by Apple to improve Apple Pay and other Apple products and services.

Apple Pay allows you to make secure purchases in stores, in apps, and on the web, using your debit, credit, and prepaid cards.<<

Legal - Apple Pay & Privacy - Apple

Your bank needs to contact the Payment Network Operator (Visa, MasterCard, Discover, American Express etc.) and review the fraud alerts on your account. Your bank has final authority to verify your account or not. However, there can be multiple parties involved and it sees that your bank support team lacks a general understanding of the system, is poorly trained or just doesn’t care about your customer experience.

Apple cannot override you bank or PNO and add your card. Apple doesn’t issue fraud alerts. The data Apple has is either encrypted, or anonymous and can’t be tied to you. Apple Support cannot raise these issues with your bank or PNO. It’s the responsibility of the bank’s support team to contact the PNO and resolve the issue to you satisfaction.

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Resetting and Restoring can apparently get you fraud flagged by your bank.

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