I don’t want to Change country just to have to change back again but for now i just want to keep my icloud working using my Cayman Bank. Why does this have to be such an ache?
[Edited by Moderator]
Limnos wrote:
Also involved with all this is the fact that apps and media have regional licensing. Apple does not say how they make sure that the people who buy items are actually resident of the country from which they are trying to make purchases. I know I can think of several possible ways but we aren't allowed to speculate on the forum. I am sure you can think of ways too, ones that might be related to your issue.
True! The developer chooses which regions they want their apps to be made available. Even for the EU, the developer can restrict the app to Germany, France, or any other country and it does not need to be made available in all EU countries.
It is the combination of the region of the device and the matching payment method that determines if the user is using the correct App Store. If the user was allowed to simply change the region without any verification, there would be no way to enforce these requirements.
colinfrompaignton wrote:
.A valid payment method is a valid payment method
That couldn't be any farther from the truth. The bank will need to be able to verify the information from the account holder and compare it with the information provided by the person making the charges in order to authorize it. That is the only thing that will make a payment valid.
Having the payment method matching your Apple ID address is how your information is verified. You do not need to provide any identification to prove your address when creating an Apple ID or even changing your region, that is what your payment method is for in order to make purchases.
Jeff is absolutely correct with all of the details he provides. He has a long standing record of providing accurate and useful information to assist users when possible.
Apple does not approve or deny cards being added to Apple Wallet. The account is owned by the bank and technically the card is the bank’s property. I even dare say the arrogance is yours.
The bank that issued the card and the Payment Network Operator have final authority in regard to adding a card to an electronic wallet.
Your resolution is to persuade your bank to add the card and then persuade the bank to tell the PNO to also authorize the card. When the PNO sends the token, Apple will add the card, per their authorization to do so.
Just ask the bank why they are >Red Pathing< your bank card? If they tell you why, it possibly can be fixed.
Matching address is probably both your banks and PNOs requirement. Sounds like you’ll need a local bank account. Can you transfer funds to your Apple ID Account?
Not just regional licensing, how about taxation, and currency exchange fees? If you pay in local currency no issue. You pay in a low value currency and then have the exchange fees added by MasterCard, Visa and somebody or everybody might want a refund.
Thank you for your reply . It’s seems you too can google. Unfortunately your response serves nothing to solving the issue . As we both now know Uk accounts can use “ Most Debit and Credit cards “ however have you actually tried setting this up when the cardholder address is not in the uk ?
Sadly I am no further forward with a resolution.
I hear what you are saying but why can’t the ios interface just allow me to select the country of my choosing for billing . I don’t see it needs to reflect with the apple Id location .A valid payment method is a valid payment method ( furthermore Cayman Island are a British colony )
Banks and Apple are just trying to protect the account holder. I don’t know if that’s you or if I’m talking to a fraudster trying to pretend they’re the account holder and trying to social engineer a way into an account. In all honesty you couldn’t be in a worse place. Cayman Island is the money laundering capitol of the world.
Also involved with all this is the fact that apps and media have regional licensing. Apple does not say how they make sure that the people who buy items are actually resident of the country from which they are trying to make purchases. I know I can think of several possible ways but we aren't allowed to speculate on the forum. I am sure you can think of ways too, ones that might be related to your issue.
Correct, if they are billed in US dollars there will be exchange fees and perhaps several other charges depending on the card used. Some cards charge a conversion fee on top of the currency conversion. Some countries may charge a fee as well. This is one of the reasons Apple has multiple billing locations around the world. This reduces taxations and other fees Apple may have to absorb.
Good to know . Thank you but …. in order for my Bank card to be used I need the cardholder address matching . I can’t change the country !
For iCloud at least, Apple appears to have some currency control: Countries and regions where iCloud storage plans are billed in USD - Apple Support
Is there a way I can use my Cayman Bank card without changing regions on my Apple ID?
