Apple Pay card number persists after iPhone 11 erase

Thank you for your reply.

The device is no longer in my possession. I donated the iPhone 11 after performing Erase All Content and Settings and removing it from my Apple Account.

The iPhone is now in my rowing coach's possession.

Yes, the old card appears in the Apple Wallet app, not in Settings. When she taps the card and tries to remove it, the iPhone asks for the expiration date and CVV of my old physical Itaú card.

Unfortunately, that card was replaced several years ago (it dates back to around 2021), so those credentials no longer exist.

I have already contacted the issuing bank (Itaú). In the bank app, I found an unnamed Apple Pay device ("Device") associated with my card and removed it. However, this did not solve the issue. The old card still appears in Wallet.

I am currently in Brazil.

Yes. After I performed Erase All Content and Settings, the iPhone restarted to the "Hello" screen and displayed the language selection screen, exactly as expected for a factory reset.

My rowing coach then completed the initial setup using her own Apple Account. The device is no longer associated with my Apple Account and no longer appears in my list of devices.

That's why this behavior is so confusing. Everything indicated that the iPhone had been completely wiped, yet the old Apple Pay token still seems to be present in Wallet.

Through the bank app, I found an unnamed Apple Pay device ("Device") associated with my old card, in addition to my current iPhone.

I removed that unknown device from the bank's Apple Pay management section, which I understood would de-tokenize it. Unfortunately, nothing changed. The old card still appears in the Wallet app on the iPhone 11.

Since removing the device/token from the bank's side did not resolve the issue, I wasn't sure whether there might also be an Apple-side issue or an orphaned token remaining on the device.

Thank you all for your time and suggestions!!

I wanted to come back and share the outcome in case it helps someone else in the future.

Fortunately, Apple Support Brazil contacted my rowing coach directly and was able to resolve the issue.

It turned out that the problem was related to a pending purchase that kept failing and retrying in the background, which created an inconsistency in the payment system. Even so, the Apple support representative considered the behavior unusual, since the current card was already registered, active, had available credit, and was being used successfully for other subscriptions.

In the end, the issue was resolved by Apple Support.

Thank you again to everyone who took the time to reply and share suggestions. I really appreciate the help.

I wasn't the one who spoke directly with Apple Support, so I don't know all the technical details of the resolution.

From what I understood, there was indeed a Device Account Number that nobody could identify, but it turned out to be associated with her Apple ID rather than the iPhone itself.

It also appeared that there was a pending App Store transaction that kept retrying, which left that payment information "stuck" in the account. Apple Support was able to resolve it, and after that she was able to continue the setup normally.

So it seems our initial assumption about a leftover token on the device was probably incorrect, although I don't know exactly what Apple changed on their end.