Unable to add card on wallet app

If you are using a VPN, try removing it, not just turning it off, as that may interfere with the verification process.

Beyond that you will need to contact the bank of the issued card and they are the ones that would approve the card to be added, Apple does not participate in the Approval/Denial process. In some cases, a bank will not tell you the reason as they are prevented from telling you some information that is protected by the Bank Secrecy Act passed by Congress, so in that case usually they just tell you it is not their fault or something like that.

Also first tier support is not likely to offer assistance as their checks typically only relate to blocks on a physical card, so you will need to escalate to the IT Department for the mobile activation. They should see your attempt to add the card on their log files and may be able to assist in resolving based on what information they have available to them. Again if it is just a denial, they might not even be given the exact reason to tell you, since that may violate the Bank Secrecy Act punishable with fines and/or imprisonment.

Sg537 wrote:

So all I need to do is just contact the company that issued my card and explain my situation?

Yep. They are the ones that approve their card (along with their associated PNO), so you can add it to the Wallet app. Once approved they send your device a unique token to be used for transactions and without the bank sending it to you, it will not be added.

The PNO (VISA, Mastercard, American Express, etc) is also involved with the approval, but the customer service from a user perspective is done with the bank of the issued card and it is your bank that communicates with the PNO if the problem can be resolved.

Sg537 wrote:

After the problem is resolved, say it was removed again. Would i have to contact them or can i add it normally?

That is up to your bank where their fraud prevention algorithms will run again to determine if they want to allow you to add their card again. Some things you should not do that will raise red flags are:

• Adding someone else's card to your phone.
• Adding your card to someone else's phone.
• Adding and removing multiple cards
• Adding a card where your name/address on the device does not match a card you are attempting to add
• Using a VPN that may show you are not in the region that you claim to be.