New iPad Wallet setup stuck after adding card

setting up brand new iPad M5. Stuck on add card. Restarted. Now stuck on "Complete Additional Steps in Wallet". Worried there is something wrong with this new $$ iPad.

iPad Pro (M5, 2025)

Posted on Feb 13, 2026 11:02 AM

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Question marked as Top-ranking reply

Posted on Feb 13, 2026 12:13 PM

If the iPad stalled during setup as described, performing a restart was the correct step to move forward.


During initial setup of an iPad, it is perfectly normal to be prompted to add a Credit Card to your Apple Wallet. ApplePay is by far the most secure method to make an online payment for goods or services - as your actual card details are never shared with the vendor. Each ApplePay payment will use a unique payment identifier that cannot be used a second time by anyone - and therefore cannot be stolen to commit fraud. This differs from using your actual Credit Card details to make an inline payment - as the card details and CVV code can be "skimmed" and used again by anyone that can intercept the online transaction details.


If you don't wish to register a card, you can eliminate the prompt without actually registering a card with your Apple Wallet...


From where you are now, from iPad settings, tap the prompt to begin the adding a card to your wallet. If you do not wish to add a card for ApplePay, simply cancel/skip the process. The prompt will have been satisfied and won't reappear.


1 reply
Question marked as Top-ranking reply

Feb 13, 2026 12:13 PM in response to cbbest

If the iPad stalled during setup as described, performing a restart was the correct step to move forward.


During initial setup of an iPad, it is perfectly normal to be prompted to add a Credit Card to your Apple Wallet. ApplePay is by far the most secure method to make an online payment for goods or services - as your actual card details are never shared with the vendor. Each ApplePay payment will use a unique payment identifier that cannot be used a second time by anyone - and therefore cannot be stolen to commit fraud. This differs from using your actual Credit Card details to make an inline payment - as the card details and CVV code can be "skimmed" and used again by anyone that can intercept the online transaction details.


If you don't wish to register a card, you can eliminate the prompt without actually registering a card with your Apple Wallet...


From where you are now, from iPad settings, tap the prompt to begin the adding a card to your wallet. If you do not wish to add a card for ApplePay, simply cancel/skip the process. The prompt will have been satisfied and won't reappear.


New iPad Wallet setup stuck after adding card

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