Cannot add cards back to apple pay after restoring.

Sadly my Scotiabank Amex (Canada) is not working with that particular fix. I would give my provider the benefit of the doubt however in this case the rejection process seems to be happening at the very last moment when it *should* take. (After the terms and conditions are agreed to). All other compatible banking products work just fine. I just tried your method a third time and it just will not work. Fortunately I don't take these things too much to heart and am patient with new technologies :) thank you just the same. Your efforts are very much appreciated!

The following steps (a speculative suggestion) may help:

Check that Bluetooth and Wi-Fi are both enabled on your iPhone:

• iPhone: Settings > Bluetooth - on.
• iPhone: Settings > Wi-Fi - on.

Check that your watch and iPhone are connected:

• When viewing the time on your watch, swipe up on the watch face > swipe left / right to the Settings Glance > check that this states Connected and shows a green phone icon.
• Keep your devices close together whilst completing the remaining steps.

On your iPhone, in the Watch app:

• Go to: My Watch (tab) > Passcode > tap on Turn Passcode Off.
• Go to: My Watch > General > Wrist Detection - turn this off.

After pausing for a minute or so, close all open apps on your iPhone and restart both devices:

• On your iPhone, double-click on the Home button, then swipe up on each app preview to close it;
• Turn both devices off together, then restart your iPhone first;
  • To turn your watch off: press and hold the side button until you see the Power Off slider; drag it to turn off.
  • To turn it back on: press and hold the side button until you see the Apple logo.

Re-enable both Wrist Detection and Passcode on your watch before trying again to add the card to Apple Pay on your watch:

• Set up Apple Pay on your iPhone, iPad, or Apple Watch - Apple Support

I have studied this issue intensely on my own, within the forum and also with senior Apple tech staff who walked me through the steps in a virtual screen- and on and on.

I have come to the conclusion that in my case at least (I would not go as far as to assume we all have the same issues) that this is not a programming error on the part of iOS. (Remember I said in my case). My Scotia Amex simply will not add no matter what I do, even though it seemingly goes through all the steps and almost catches, the final pop up refuses the card and asks for me to contact the bank. Absolutely every other supported card I have (across 3 unique banks) can be easily removed and re added without any issues whatsoever. However remove the Amex, and try adding it and that's where the issues start at the authorization point. (Even the user agreement works). So when one person is deligted that "Apple fixed it" it may in fact be the banking end that is having issues and "fixed it".

This is an educated guess on my part naturally. My final test was to remove it from the last device, my new iPad Pro. Just like ever other device, once removed the issue manifested itself again. without question an iOS bug could, in theory do this as well, however according to the senior tech I spoke with at Apple said it should not do this, and implied it is a known issue on the banking end but he did not say that verbatim but it felt like that was the gist of his explanation. It makes sense really but it is hard to prove as a consumer. After talking to Scotia, umm. Let's just say it was a waisted effort but at least they are aware of it. One can only hope it will be corrected sooner than later. The more people I see with good news to report the happier I get!

Disable all pass-codes and finger touch IDs in the settings then try to add the previously used credit cards then enable the pass-code and touch IDs.

I had this issue with my Amex on my iPhone 6 with iOS 10.2 and after digging and playing with all the settings and reading comments/solutions this worked finally.

Cheers

I have the same exact problem on my new iphone 8S. I restored from a previous iphone and my credit card was gone even though I used encrypted restore. I tried to add it back and it says contact the card issuer but never lets me actually say what card I am trying to add. I then turned off the passcode and turned in back on when Wallet complained and now the message says APPLE PAY is not available right now. Really?

Same exact issue for me. I spent hours on the phone with various tech support reps at Apple and a couple of banks, with no success. Repeated efforts to restore and back up, again no success. Very frustrating. Only small consolation is seeing that I am not alone 😉

I sat on the phone with Apple Technical Support for 2 hours 25 minutes last night trying to figure this thing out. I, too, did a factory reset (at the recommendation of Apple due to a battery life problem I was having) and after both a restore from an iCloud backup and a reset "as new" I still cannot add my cards back to Apple Pay. I even tried adding a card that was not originally in my Apple Pay wallet to no avail.

They did a screen share session with me and downloaded a bunch of logs from my computer (Mac Mini with OSX Yosemite) after trying to perform a restore through iTunes. I was told they'd get back with me in a few days but to also be prepared to be issued a new phone.

I don't claim to know the internals of all the "connected" services Apple incorporates...iCloud, iMessage, iTunes, Passbook (including Apple Pay), but if I were a betting man, I'd assume this has something to do with one system not talking to another, and somewhere somehow our cards have not been deleted from the "master" system, and Apple Pay sees this as adding the same card twice, or in the event you used all 8 available slots, adding a 9th card and being rejected because your limit has been reached.

FYI, I only received one email from American Express notifying me that my card had been removed from the Apple Pay service after I performed the factory reset on my phone.

Also, as an added note, has anyone ever seen where you are asked to add the card you currently have on file for iTunes and App Store purchases as your first Apple Pay card? Supposedly, you are supposed to be able to just enter the 3 digit security code, and it is automatically added to your Apple Pay wallet. I have never been provided this option, even though my card on file is my Wells Fargo checking account debit card...an approved card for the Apple Pay service.

I will report back if Apple Tech support comes back with any positive insight into this debacle...

I too am having this issue on my iPhone 6 Plus running 8.1.2, but this was caused not by a system restore, but simply by logging out of iCloud and logging in again. (I did this to remedy an issue with my calendars not syncing). Had I known that this would also remove my stored Apple Pay cards I probably would have tried another solution.

After logging back into my iCloud account (and also rebooting for good measure) I was unable to add any of my credit cards back to Apple Pay and would get the error "Could Not Add Card: Try again later or contact your card issuer for more information."

I just spoke to Bank of America's Apple Pay support team and they're stumped, since all my BofA cards are working fine and ready-to-go for Apple Pay (at least on their end). However, they informed me that they aren't able to really do anything unless the card is already added to Passbook, and pending authorization. This allows them to see it on their own system, but since iOS is preventing me from even adding the card, their hands are tied.

I even tried adding my Chase card and I still get the same error.

I really don't know what to do at this point, and I really don't want to have to go to the Apple store just to have them swap my iPhone out for a refurbished model.

Unfortunately, I'm also experiencing Apple Pay issues. I posted a new thread about a week ago not realising this one was going, so here's what my issue was (and still is today) below;

I have an iPhone 6 128gb running iOS 9.0.1.

I had two Halifax bank cards successfully activated and had been using them via Apple Pay without any issues. After visiting the Apple Store last night to fix a camera issue, they decided to replace the phone instead. I successfully restored the replacement iPhone from an iCloud backup; I was able to activate one of the Halifax bank cards, but not the other. Here's a screenshot from trying to add the 'problem' card;

I also get the same result when trying to add to my Apple Watch. Again, both iPhone and Watch worked faultlessly before the replacement.

I contacted Halifax, they could see no issues at their end. They confirm that the cards are active on the iPad, and that the problem card is showing as having been deleted from the old device - even the time stamps they have tie in with the visit to the Apple Store. After checking my account, they say that I should be able to add the card and to refer to Apple for further assistance.

UPDATE TO ABOVE:

I'm now on iOS 9.0.2. Today I contacted Apple. They checked my iTunes account to confirm there was no 'debt' owing. They confirmed my bank card details were in order, and couldn't see anything obvious. They asked me to sign out of iCloud on my iPhone and then sign in again, which had no effect. The last resort was to reset the iPhone and setup as new, without restoring and to then add cards to Apple Pay. I did this and still have the same problem.

Now I've restored to my latest backup using iTunes. I've re-paired my Apple Watch, too. Neither device will accept the card. Just to confirm, this card was working perfectly, before.

Halifax confirm that they only have one record of said card which is linked to Apple Pay on my iPad. They tell me that the iPhone and Watch records show the card was deleted right before I received my replacement iPhone, so the problem has begun since leaving the Apple Store. I called Apple Store and the person I spoke with had never come across this issue before and referred me to Apple Tech Support - hence all the above steps.

Interestingly, I seem to recall trying to add the card in the Apple Store and got as far as requesting the security activation code to be sent by Halifax. I never had a phone or data signal in the Apple Store, and never received the activation code by text. I do wonder whether something's got 'stuck' somewhere without a trace. It may not be the reason for the issue, but worth mentioning.

If anyone can help me I'd really appreciate it.

Thanks in advance.

I had the exact same problem. Here's a simple trick that finally worked for me. Go into settings > Touch ID and Passcode and turn Passcode off. Exit and open wallet. Go to add card and it will prompt you to turn Passcode back on. Do it through the prompts. When you go back you will now be able to add a card. Hope it works!

Hi,

but my Apple Pay was no longer setup on my watch. I re-setup on the iPhone, but it can't be added to Apple Watch.

Make sure your card is supported > Apple Pay participating banks and store cards - Apple Support

Make sure you are following the instructions for, "Add a card on your Apple Watch" > Set up Apple Pay on your iPhone, iPad, or Apple Watch - Apple Support

If you still have problems, Contact Apple for support and service.

Hi AlainYYC

Carolyn Samit wrote:

but my Apple Pay was no longer setup on my watch. I re-setup on the iPhone, but it can't be added to Apple Watch.

Make sure your card is supported > Apple Pay participating banks and store cards - Apple Support

As you are likely aware, your card is definitely supported for Apple Pay.

Your bank would have told you, when you spoke with them, if it was not.

You would also, more obviously, not otherwise have already been able to add it back to Apple Pay on your iPhone.

Hi,

I have also received the "Could not add card" error after removing my bank card and then trying to add it back to Apple pay - this started after my WatchOS2 upgrade when I found that I could not add my card from iPhone to Apple Watch.

I rang my bank who told me that my card had been removed from Apple pay, they give me the number for Apple Care and I spent an hour on the phone with an iOS engineer who had no idea what was causing it and achieved nothing except resetting the phone to factory defaults.

After running through various options myself I have come to the conclusion that this is a back end problem:

1. I have downgraded from iOS 9.0 to 8.4.1.
2. I have upgraded from iOS 8.4.1 to 9.01.
3. I have tried setting up as new phone and restoring from backup.
4. I even tried adding my card to my daughters phone.

All of the above resulted in the same, I still could not add my card, I can however add my joint bank card which is for the exact same account type and from the same issuer.

Im having the issue as well, However mine didnt result from doing a restore. I deleted my icloud account due to some syning issues i was having. After logging back into icloud on my phone I was unable to add any cards to apple pay.

I then did a dfu mode restore and attempted to set my iphone up as new (not using my backup info) and i wasnt able to add any cards that way either.

Im also on 8.1.2