Apple Pay tells me I have to walk into a bank to activate my new debit card has anyone else had this issue?

Apple doesn’t approve or decline adding a card to Apple Wallet. Apple states so in several support articles and white papers. It’s your bank that requires your card to be activated or wants you to go to the bank to verify your identity.

>>Adding additional verification

A card issuer can decide whether a credit or debit card requires additional verification. Depending on what’s offered by the card issuer, the user may be able to choose between different options for additional verification, such as a text message, email, customer service call or a method in an approved third-party app to complete the verification. For text messages or email, the user selects from contact information the issuer has on file.

A code is sent, which must be entered into Apple Wallet, Settings or the Apple Watch

app. For customer service or verification using an app, the issuer performs their own communication process.

If you can't add a card to Apple Wallet to use with Apple Pay - Apple Support

Card provisioning security overview - Apple Support

Please read my prior post to you. I explained that Apple has nothing to do with this. Your bank, not Apple, is insisting you do this.

>>Apple doesn’t approve or decline adding a card to Apple Wallet. Apple states so in several support articles and white papers. It’s your bank that requires your card to be activated or wants you to go to the bank to verify your identity.<<

The person on the phone you spoke to was a representative of your bank. You were talking to your bank, not Apple.

I’m sorry for the inconvenience, but like you, Apple is at the mercy of your bank. They can’t add something to Apple Wallet that doesn’t belong to them. Your bank controls what the card is added to. I’m sorry. I hope all goes well for you.

>>If your bank has a Jim/James problem, then that is on them.<<

Each bank will have their own policies and perhaps algorithms to try to resolve the conflict. But any document, account etc. should be done in your legal name. This is a known issue in government identity verification procedures. Most banks and third party verification services check your social security information and SS uses your birth certificate. Your name is your name.

I have the same issue. My birth certificate says one thing and I go by Jeff. Even more confusion is throwing in my last name that can also be a first. I learned the hard way a long time ago to always use the name on my BC.

>>Yea the bank said on the phone that on their end of the computer screen it said "apple wants you to come into the bank to have it verified".<<

Sorry to say this, but that person lied to you. Plain and simple.

I explain the rest in another post where you asked me a similar question.

Jeff Donald wrote:

>>If your bank has a Jim/James problem, then that is on them.<<

Yea, I guess I should have said that it is their requirement. I didn't mean to imply that it is unreasonable. I can't argue the fact that your legal name should be used for all financial/legal documents, it just did not make a difference for my bank when they approved the James card in the Wallet for my Jim Apple ID information.

Did you go into the bank, as they requested?

countrylizzard wrote:

Yea I know that thread I am the one who made the thread a few days ago. I made this one because I was still having issue and wanted to see if others had it too

That was the point to explain that it was continued from your previous post. The more information that is available, the more likely you are to get an appropriate explanation.

Jeff Donald is an expert in the field of all things Apple Pay.

I can confirm Jim/James makes no difference, at least for my bank. My bank knows me as James and Apple knows me as Jim and I have never had any problem adding a card. Let us know the reason your bank is telling you that you had to come in to get it verified. If they tell you Apple requires it, then they are simply lying so you do not get mad at them. If your bank has a Jim/James problem, then that is on them.

Nope the Apple Account and the Wallet app are totally different. Your Apple Account is only used for purchases that are billed by Apple. It does not require verification by your bank. If the card that you add to your Apple Account is not valid, Apple will simply not allow you to make any purchases in the App Store until the issue is resolved.

When you add a card to your Wallet, you are capable of using the card for any purchase that the bank must authorize to complete. Before your bank can authorize a charge that is made, they want to make sure it is actually you attempting to make the charge to prevent fraud. This is done when you add the card to the Wallet and the bank will either Approve/Deny it. These transactions are between your bank and the merchant and the only involvement by Apple is providing a unique code to the merchant so your credit card details are not exposed. Apple does not approve/deny the charge and if you wanted to dispute the transaction, you would have to do that with the bank, since they approved it.

Normally the bank, not Apple, sends a notification to the Wallet app, not Wallet & Apple Pay in settings. When the notification is received it has a space to enter the code.

Your bank may have been having network or server issues that day, which is why your bank asked you to come in, not realizing the hardship it is for you.