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I ran into this, however, if you have NFCU as a bank, they no longer do the text verification. They required to call for voice ID and confirmation. Once that is done, they automatically verify the card, meaning I didn't have to do anything else. I'm not sure if any other bank is doing this, I was explain is for higher security with voice recognition program. I hope this helps!
iPhone 16 Pro Max, iOS 18
No, the bank controls the whole verification process and they implement the procedures they want to help insure a smooth and secure card provisioning. This includes requiring a text, email or phone call to a support center.
>>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.<<
Is there a way to prompt for a verification code instead of calling the bank for Apple Pay?
