Cannot add cards to Apple Wallet on iPhone; Apple ID issue?

Apple does not approve or deny cards added to your Wallet. The only thing that Apple does is provide the banking institution details about your account and device. The bank uses a combination of those 2 things to determine if they are going to approve the card added and will then send a unique Token to that device in order to use it for Apple Pay purchases.

Adding your cards to other devices and attempting to add other people's cards to your device is a big red flag used by banks in making the determination if they want to approve any card to be added to the device.

In any case, Apple cannot force a banking institution to approve a card added and require them to send their Unique Token for use with Apple Pay. The bank is the only one that would know why they are not approving your card and they don't share the reason for disapproval with Apple.

As Jim pointed out, putting your cards on another device and Apple Account is an indication of fraud, as is putting someone else’s cards on your device. Either your bank’s fraud department or the payment network operator (Visa, MasterCard etc.) are blocking the cards.

Apple is not a bank and is not directly involved in verifying and authenticating your cards, identity etc. When you attempt to add a card, your iPhone sends encrypted data to the payment network. The data includes payment card details and information about your device and how it’s used. Banks and PNO’s use the information to assess the risk involved. Apple does not participate in the process. Apple does not see the data and cannot alter any of the data.

When you attempt to add a card, are you receiving the terms and conditions to agree to?

Again, Apple is not a bank and does not actively participate in the authentication and verification process. The final step would be your bank sending an encrypted dynamic payment token to Apple servers and once received, the token is installed on your device by Apple. Ask your bank if they are sending the token.

Hello yes I am not alone same problem here.

Message from Wirex support : According to the received information, this is a technical issue on the side of Apple Pay. I am sincerely sorry, but we don't have information on when it will be resolved. Some of our users who faced a similar problem were able to link their card to Apple Pay on their Apple Watch instead of their iPhone.

I hope for your understanding in this regard.

So this is Apple bug 100% and I am from Ukraine and its seams be worldwide bug

imaster-ua wrote:

Hello yes I am not alone same problem here.

Message from Wirex support

• Did you use the Wirex app to add the card like they recommend on their website?
• Did you receive the OTP that they say they will send to you before a card can be added?
• Did you check if you are using a VPN, and if so did you uninstall it?

What bank issued the Wirex card you’re trying to add? Wirex is not listed as a supported institution.

Apple Pay participating banks in Africa, Europe, and the Middle East - Apple Support

My understanding is because of the crypto currency backing of Wirex, it’s not supported in all regions. You may want to review some of the exclusions in this article.

https://cryptoslate.com/crypto-cards/apple-pay-google-pay/

If it were a worldwide bug, as you claim, certainly more than 2 people would be reporting it.

Mister I know everything I bought my first iphone in 2007 I have a lot of experience in dev ios etc. I send above message from WIREX team support believe or not. And this topic by user from Argentina. So please don’t send just copy paste information that I could google by my self.

And I’m a former Apple Store manager and was a store manager when the first iPhone launched in June 2007 and I’m also an Apple developer.

You still haven’t answered my question. What bank issued the card you’re trying to add? Are you using a Ukrainian address or an EU address? It’s widely reported that Wirex won’t work with Apple Pay if a Ukraine address is used.

Brother Jeff Wirex has own card issued by Visa and Master card. I am EU citizen and this card add before everything was good. I have same issue as topic starter please relax. I send messages from Wirex support that is period. Please give your advises for someone else I do understand what I am doing.

It’s no sense to make new Apple ID because I have Ipad same ID and on the ipad my cards add to Apple Pay and works fine.

Friend of mine trying add Ukrainian banking card to the Apple Pay to absolutely new Iphone same error as yours.

And Jeff Wirex would not give cards if you are Ukrainian citizen.

Wirex global company from UK so I trust the advice of the support team more than yours, no offense.

See if there’s any technical requirement listed here which might have been overlooked on the problematic device:

If you can't add a card to Apple Wallet to use with Apple Pay - Apple Support

imaster-ua wrote:

And Jeff Wirex would not give cards if you are Ukrainian citizen.

Wirex global company from UK so I trust the advice of the support team more than yours, no offense.

You can trust Wirex support all you want, the fact remains the same that you are not going to get your card added to your iPhone until Wirex resolves the issue with Apple if that is where they want to place the blame. They can tell you it is a bug on Apple's side and that changes nothing. You are still left with a card provided Wirex that is unusable on your iPhone for use with Apple Pay.

You are not the first customer of Wirex to see that message and that also prompted them to provide a FAQ page:

• Why do I get a message to contact the card issuer when I try to activate Apple Pay?

That message can appear occasionally and is because the entire activation could not be completed automatically. You can try restarting your phone and adding the card through the app instead of via Apple Wallet. Sign in to the app, tap the card icon in the lower left. Next, select add to Apple Pay and follow the instructions.

Also check the following on your card:

-The card is not locked in the app

-You do not have a negative balance on the card

Of course, it is also possible to Contact Us to get help with activation

• How do I activate Apple Pay?

Sign in to the app, tap the card icon in the lower left. Next, select add to Apple Pay and follow the instructions. You can also add the card through Apple Wallet, but we primarily recommend activation through the app. If you require guidance, you can contact us via Contact us



• During set-up I have been prompted for a one-time passcode. What is this and why is it required?

As a security measure, we send a one-time passcode which can be received by text or email. You will verify your identity by entering this code in the appropriate field.

Have you tried using their app like they recommend and received the 2FA code?