Cannot add cards back to apple pay after restoring.

I am also having this issue, even downgraded back to iOS 8.1.1 and the issue remained. I signed out of iCloud and all the cards were removed.

I was unable to add the card to Apple Pay when I signed in with a new iCloud account, so must have something to do with the card, not just the account.

Also tried adding on another iOS device using a new iCloud account, issue remained so it's not device specific.

Apple is supposed to be updating me tomorrow. They captured crash logs from my Mac Mini and "stacked shots" in hopes of determining the root cause of these issues. Not sure why we had to capture embedded information from my computer to determine the cause of an iOS failure, but whatever...

Doesn't Apple monitor these threads? I'm surprised an administrator hasn't chimed in yet.

This same thing is happening to me too. I had to restore my phone because I got ATT to unlock it and the restore erased all my cards. When I logged back it it asked me if I wanted to add the credit card linked to my iTunes to my passbook. I said yes and it added it. I went through the verification process and got an email from my bank saying it was verified. However whenever you opened passbook it said it was still verifying and the card wouldn't work. So I deleted it thinking something must have gone wrong, but now I can't add any cards to my passbook. I've restored from two different backups, downgraded to iOS 8.1.1, done a complete erase with no restore to simulate a clean phone, reset network settings, reset all settings and all of those have done nothing. I get the same error overtime trying to load any card in from any bank. Extremely frustrating. It was all working great until I had to restore my phone and now I can't get any cards to go in.

WiseJD, I don't believe it to be that simple, so please elaborate...

All cards are AUTOMATICALLY removed from Apple Pay when performing a factory reset. I know this to be true because shortly after performing the reset on my phone I received an email from American Express informing me that my card had indeed been removed. I also called Chase to see if this was an issue on their end, and they too confirmed that my three cards with them were no longer coupled to Apple Pay.

During my technical support session with Apple, the representative agreed that a factory reset, even if restoring after the fact from an iCloud backup or an iTunes backup, will require that certain features be reconfigured...i.e. Bluetooth pairing, thumbprint, WiFi (in some cases), and most definitely Apple Pay. They remove the cards automatically upon a factory reset due to security reasons. For instance, what if I lost my phone or it was stolen? The "finder" would then still have access to all of my Apple Pay cards. Granted, they would still need to provide the thumbprint for confirmation, but are you willing to take that chance? Do you think Apple is?

I'm not sure we are talking about the same scenario, but if I'm wrong, please elaborate on your specific process in adding your cards back after a factory reset. We all just want this feature back...that's all.

I agree with Jdavismcclung - I was on call with Apple for almost 2 hours last night and they checked by iCloud account to see if the cards were in there and they were removed from there as well. I also received notification from Bank of America when I restored it and when it was removed from Apple Pay. Apple Support is suppose to reach out to me again today to see if it worked, it didn't work this morning.

I just left the Apple Store. They couldn't diagnose the issue and we did a restore there in store and the problem persisted. The solution was to swap the hardware. New phone seems to be taking cards just fine now. It was odd because when we did the restore and I tried to setup a card it only asked me if I wanted to add a card. When I booted the new phone it asked me if I wanted to add the iTunes card on file or add a new card. So a whole other option that didn't show up before.

I changed my apple account and it wiped all my cards and now does not allow any to be added. It sounds like ANY change to the environment which removes cards, also prevents any from being added back!

Apple, are you listening?

Alright. So I just got my phone back up and running with a restore from my iCloud backup and I can now add cards to Apple Pay. So it looks like a hardware swap did the trick. Just to be clear I have added cards then wiped the new phone, restored from my iCloud backup, and again added cards. I don't know why this requires a hardware swap but it looks like that works.

You may be correct as it certainly is not really a hardware issue, even if getting a different iPhone appears to solve it. Definitely is a Systems Issue with a Data related cause. If the specific iPhones cannot any card let alone the cards that had been used before then the Device ID is possibly triggering the failure solely. If cards that had not been used before can be added then it is the combination of the Device ID and those Cards.

I'm having the same issue; I reset the settings on my phone's and Apple Pay won't let me add cards. However, I *was* able to re-add a card from Wells Fargo; no such luck with cards from other banks. Makes me wonder where the issue is centralized.

I had to do a restore because AT&T sent out the unlock code for my iPhone6+ and I as well lost all my credit cards in applepay and now cannot add them back. I have a call back from AppleCare this morning, but I do not want to have to get new hardware since this one is now unlocked.

So on the phone they couldn't help me in getting a new unlocked phone, but in the store they said they would give me a new piece of hardware however I brought mine in. So they gave me a new unlocked phone in the store. I don't think that's policy so your experience may be different, but they understood that I needed an unlocked one back and so that's what they replaced it with.

So this is the fix? Never reset your phone...or go to the Apple Store and have your 2-month old device replaced? This has the potential to affect A LOT of people. Surely Apple plans to do something more permanent about this??

I too finally received an email back from Apple Technical Support explaining that the engineers are aware of this issue, but there is no discernible solution in the immediate future. I don't want to go to the Apple Store. I find it quite frustrating to have to schedule an appointment with a "Genius" online, drive 60 miles roundtrip to the Montgomery Mall Apple Store in North Bethesda, and yell across the counter to said "Genius" because the store is as packed as a Spin Doctors concert in 1995. Oh, and it's 6 days before Christmas too, so I'll have to park in Virginia and walk the 17 miles to the mall's entrance. I bought my phone at Best Buy right here in Frederick. Apple should allow me to exchange my device there.

Can we say iOS 8.1.3?

I just solved this for myself by swapping the phone out at the local AppleStore. Did the restore from back up first, then successfully added all my cards. Should be good to go now. Doesn't seem like an ideal solution state for Apple or for customers, but it fixed my issue after fussing with this for about 8~10 hours over a weeks period of time. Not sure this is 100% correct but if I were to have to do a restore of any kind now, I would first remove the cards in the PassBook myself, then do the restore. And then go through the CC adds again. Maybe that would prevent this mess.😕