Cannot add Visa debit card to Apple Pay on new phone or watch, older ones are fine

Apple told you the truth. The PNO (Payment Network Operator) is blocking the card. Your card is being Red Flowed as a fraud risk by the PNO.

Apple is not a bank. The data they send to PNO needs to be verified by PNO and then they send it to your bank. The test is does your internationally well known bank acknowledge receipt of data from PNO.

if you try to add/verify a card more than 5 times in 24 hours your device is Red Flowed for 24 hours. If your bank’s support team won’t intercede on your behalf with the PNO/Visa, you need to wait 30 to 40 days for PNO to stop Red Flowing your card. Attempting to add the card during the waiting period is said to restart the 30 to 40 day freeze.

So, the real challenge is who is blocking your card? The options are only your bank or PNO. If the bank is getting data from PNO. It’s the PNO blocking you. If the bank acknowledges request to add your card to Wallet, the bank is blocking you.

Part one you have correct. Many time the basic support team has no clue what to do. The bank just hasn’t trained them for higher technical support levels. In some banks it’s the fraud team and in others it’s the IT team.

Both devices are limited by the number of attempts.

Forgot to add, you’re welcome and I hope you have a great day!