Card Not Added to Apple Wallet — Same Card Works on Other Apple Accounts

Hi, there’s no easy way to say this, but attempting to add your card to devices and accounts that aren’t yours, is a mistake that generally only time can fix. The system for adding cards is entirely automated. The process detected an anomaly with your device and perhaps information on your device. Adding your card to other people’s devices and accounts just reaffirms the process's concerns and questions about your account and device. Yes, you did exactly what scammers try to do, add a card to multiple devices and accounts that don’t all match up.

Here’s how card provisioning works on an iPhone. Cardholder enters card details manually into Apple Wallet app, card details are encrypted on device and sent to Apple servers where it’s sent to the appropriate Payment Network Operator (Visa, Mastercard, American Express etc.) and decrypted. The information is checked and verified. Information is again encrypted and sent to the bank for final verification and approval. If bank approves, they issue (sometimes through a third party) an encrypted token and it’s sent to Apple servers which in turn send it to your iPhone where it is decrypted and installed in the Secure Element. All of this is done anonymously in regard to Apple. Apple has not associated this with your specific Apple Account/id.

During the initial provisioning process information on your iPhone, is encrypted on the iPhone, and sent to the PNO and bank for their use in determining fraud risk. Banks and PNO rate the fraud risk green, yellow, orange or red. Red is an automatic decline, based on risk factors. Orange requires additional verification and generally requires speaking with a Support team member. Yellow requires a One Time Passcode be entered in a text or email received from the bank and green is automatic approval with no additional verification. The vast majority of users are yellow path verification and a very small percentage are red path. Only the issuing bank knows why they didn’t verify the account holder and issue the token.

Apple does not actively participate in the provisioning process. You can read Apple’s documents on the subject at the links below.

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

Happy to answer any additional questions you may have. You may also be interested in these two recent threads and how the users resolved the same issue you’re experiencing.

Apple Wallet Disabled - how to resolve ? - Apple Community

Cannot add cards to Apple Wallet on iPhon… - Apple Community

If you don’t want to take on your bank the only other solution is to wait. The general wait time is reported by other community members as 30+ to 60 days. During that time you should not attempt to add the card to any other Wallet app. You should also use you device as normal, carrying it with you, making phone calls and sending texts etc. I’d wait about 35 days and try adding it once. Repeated failed attempts are also a sign of fraud risk. If it fails, contact your bank’s fraud department and seek their assistance.

Yes, exactly. I wonder how you would go about it. That’s why the author of the answer suggests waiting 30+ days without adding anything; in your case, much more time has passed. I wonder if it would work for you

Hi. Have you figured out how to solve this problem?

Have you carried the device with you and used it to make phone calls, send texts etc.? Have Apple ever done diagnostics on the device? Do you have any cards in your Wallet app? If so, hardware (iPhone) is working.