No puedo vincular tarjetas VISA Santander a Apple Pay

If you attempt to add the same card more than 5 times in a 24 hour period, it’ll be blocked.

When you attempt to add a card to the device, your iPhone sends information on your iPhone to the Payment Network Operator (PNO) Visa and if they approve then information is forwarded to your bank. The PNO does the validation check, and it appears they are getting the information because of the invalid notification. If card is validated by Visa, the data is sent to the bank for final verification and approval.

If the bank declines, you receive a notification. If they approve, they typically use a Two Factor Authentication text message to verify the device is yours etc. If the response to 2FA is correct the bank issues a dynamic encrypted token, which represents your card. The token is sent to Apple servers and then installed in the Secure Element.

Both the PNO and your bank employ algorithms to evaluate the risk potential. Adding the card, is not something Apple participates in beyond the pure mechanics of once the bank approves, Apple adds the encrypted token representing your card, to your device.

Information Apple provides to the PNO and the bank are disclosed in several support documents Apple publishes. I’ve linked them below. The entire process is anonymous to Apple as part of their privacy and security protocols.

My best guess is the communication is breaking down between the PNO and the bank. Ask the bank if they are receiving the data from the PNO (Visa)?

I’m happy to answer any additional questions you have.

Apple Pay security and privacy overview - Apple Support

Card provisioning security overview - Apple Support

Apple Pay component security - Apple Support

Apple Pay Wallet Terms and Conditions

Adding credit or debit cards to Apple Pay - Apple Support

There are two approaches you can take.

You can contact Santander and they can use their respective department to contact Apple through their channels. In most banks it’s their IT department, however some banks have Apple Pay departments and/or Apple Wallet departments.

Visa can also contact Apple. Again it’s likely their IT department, but it could have another name.

Why can’t Apple contact them. Everything is anonymous to Apple. They only have encrypted data to work with. They don’t have your name or anything and cannot verify you are you. As far as Apple could know you’re a scammer trying to added compromised credit card information. The bank and PNO can verify you and your account ownership.

Have you tried adding the card using Santander’s app? Please ask who issue the token, is it Visa or Santander?

Do you think you could have tried adding the card more than 5 times? If so, please wait a few days and try again. Do you use VPN? Have you travelled recently? Have you had the Santander card in your Apple Wallet before?

Putting the wrong PIN may have tripped an anti-fraud security system, for your protection. It’s an automated system and will reset in several days. The invalid card notification is from Visa, not Apple.

Google Pay does not protect your privacy the way that Apple Pay does. Google can see everything you’re doing in regard to adding a card to an electronic wallet. Everything is anonymous to Apple. Verification and authentication are done by the bank and Visa, not Apple.