Only your bank or each one would know the reason for why it was declined. Apple is not involved in the approval or denial process.
You can certainly look on the internet and find many people who are not able to add cards to their wallet. The reasons for a bank declining are numerous and these have nothing to do with Apple.
- Security Hold placed on your financial accounts
- Use of a VPN can prevent authorization from bank
- SAR has been filed by one of the banks. It is against the law for a bank to disclose a SAR (Suspicious Activity Report), but they are required to file them in certain instances , even where you are not the target. You will not be given the reason why or even if one had been filed. Thank Congress for the Bank Secrecy Act.
- Region mismatch
- Card already provisioned on another device
- Bank not supported
- Verification requires approval by App. A Recent post here pointed out that Citi bank required app verification to add their card to the Wallet and the user was trying to add it to the Mac and Citi does not have a Mac app to receive the code. Of course the user called Citi and they told them it was an Apple problem. No, Apple does not control the verification process and they are not the ones that would create a Citi app to put in the Mac App Store.
First tier bank support will always tell you that a problem must be someone else's fault if they don't know the answer. It requires escalation for an issue such as that to get resolved where their IT department will have the information first tier support does not have.
