Unable to add payment methods to Apple Pay

• >> I have carried out a network resetting - issue persists<<

This only relevant if you use a VPN or previously used a VPN and the profile was still installed.

• I have carried out a “reset all settings” - issue persists

The only setting that might cause issues is region setting on your iPhone.

• I have tried removing and re-adding a passcode - issue persists

Obscure issue usually related to not have Face ID or passcode set.

• I HAVE managed to successfully add my cards on my IPad. When I have then tried to add the cards on my phone by “adding previous cards” they still won’t add - same issue persists

>>Cards are approved for each device individually. This indicates the issue is specific to the iPhone or Apple ID used on the device.<<

• >>I have created a new Apple ID and tried to add the cards on my phone using this new Apple ID - it doesn’t work, same issue persists. Following your feedback using this method on another thread, this would confirm there is an issue with my actual IPhone device? <<

If you tried immediately after creating new ID, that’s an automatic decline. It needs to age a little bit and be used on iTunes Store, App Store and send Messages and emails from new ID.

• >>I have phoned 2 different banks again, asked all tokens to be cleared, and gone through the process of adding the cards (again) whilst they are on the phone - same issue, and both banks have confirmed that there is no problem their side<<

Do the banks see the request for token coming in from TSP?

• >>I have also followed Apple’s suggestion to request my bank(s) to take up the problem with the network provider (Visa / Mastercard) but both banks have confirmed they have no way of taking up an issue with Visa or Mastercard when there is no problem showing their side.<<

I’ve never seen a bank that can’t contact the PNO. Each bank will have their own procedures for contacting PNO. Some banks go through IT department, large banks might have an Apple Pay department and some (believe it not) go through their fraud department. I think the trick is to find a bank supervisor that will work with you and will take ownership of the issue and continue to work on your behalf.

Some members have reported in the community that their bank has set up a 3 way call with PNO/TSP, Apple and banks tech team.

One thing to understand is almost all the information Apple receives is encrypted on your iPhone and when Apple receives the data, it’s just hash. They do very little with decrypted information. That’s part of the security and safety of Apple Pay.

Ask you bank support supervisor why your card is one of following;

 Green flow – The token is approved and activated without further cardholder action.

 Yellow flow – The cardholder must provide additional verification ("step-up") to prove their identity for manual and card-on-file provisioning.

 Red flow – TSP/PNO has declined the provisioning request and a token will not be created. The cardholder cannot make payments.

There is an Orange flow too, but many (most) banks don’t implement that.

It sounds like the Payment Network Operator (Mastercard, Visa, etc.) has a fraud alert on at least one of your accounts. This information is typically shared so, while the alert may be on one network, the information is shared with the others and all cards get blocked.

Fraud alerts are specific to devices. So, it’s possible for cards to be added to other devices. It’s basically amounts to your device being blocked.

You can contact your bank and ask them to open a support ticket with the PNO and remove the fraud alert. Consumers (you and me) can’t contact the PNOs and get anywhere. They will just tell you everything is fine.

Have you traveled recently or what caused this sudden discovery?

Contact Apple Support and ask about your open ticket. Do you have the ticket number, did you give them the serial number of your device?

What is the error message you receive when you try to add a card?

“Adding cards” … exactly how many cards are currently in your Wallet? I believe the maximum number allowed is eight.

Just call and give Apple Support the number of your ticket and they can reopen your case. It’s not a big deal.

What country are you in? Are you using a VPN?

But have you called back and asked about your ticket?

I can explain whatever you want to know. Just ask. Your editorial comments aren’t necessary.