Adding Payment method or adding card to apple wallet do not work anymore

So, your pattern of creating new Apple ID, adding and removing cards, cards that don’t belong to you and using multiple devices fits exactly the patterns that fraudsters use when attempting to add cards to Apple Wallet. Apple is noting your usage patterns to the bank and your devices are now >red path< verification because of the higher risk of possible fraudulent activity.

The process uses computer algorithms to detect the patterns. There is no manual override. Neither Apple, your bank, or Payment Network Operator (Visa, Mastercard, American Express etc.) can override the automated decision. If no attempts are made for about 35 days, try adding a card again.

Card provisioning security overview - Apple Support

Legal - Apple Pay & Privacy - Apple

You’re welcome. Ultimately, it is your bank. They are doing the risk analysis and applying their standards. The data Apple sends is anonymous and not tied to you. It’s your device and the activity that has occurred on the device. Number of attempts, age of Apple ID, usage of Apple Messages, and Apple Mail etc. Fraudsters don’t typically do a lot of emailing and texting from their multiple devices. The devices also don’t change location either. Common things an average user would do, but not a fraudster.

Sorry, I thought you said something about another device. Sorry. 😢

Unfortunately, yes, it takes about 30 to 35 days for the system to reset. In the meantime finish setting up your new Apple ID, login to your new iTunes and App Store accounts and start purchasing and using your device. Your usage patterns help establish your not a fraudster.

By going through the bank app, the verification bypasses some of the fraud protection measures, Apple, your bank and PNO have in place. The bank and PNO have the ultimate authority in regard to adding cards to Apple Pay. Apple can’t overrule either of the other two partners.

No, multiple accounts can have the same card. Cards are tied to the device, not an Apple ID. However, only one Apple ID can be associated with a device at any given time. If you had continued to use the old account, I doubt you’d of had an issue adding cards. However, the newness of the Apple ID/iCloud account and then trying to add cards, could certainly be a practice fraudsters use.