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Cannot add cards back to apple pay after restoring.

I had all my cards on apple pay until yesterday. But yesterday I thought to restore my phone as new and since after doing that I can't add any cards back to the apple pay. When I enter all the information, It says verifying and then displays a message that says "Card could not be added. Please try again later or contact the card issuer for more information."

iPhone 6 Plus, iOS 8.1.2

Posted on Dec 13, 2014 10:40 AM

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Posted on Jan 14, 2017 3:13 PM

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!

201 replies

Dec 26, 2014 9:34 AM in response to Roshanalex

Well, good to see I am not alone. I had a glitch in my software, 8.1.2, and did a restore from backup. It solved my initial problem, but created this one. I use Apple Pay quite a bit, so I'm not thrilled about this glitch. Seeing that people have solved this issue by Apple exchanging their phones, I have an appointment at the Apple Store tomorrow. I am hoping they can give me a new phone! I don't have the patience for this kind of problem.


And to the folks who poo-poohed about possibly getting a refurbished phone by exchanging, that's utter nonsense. The 6-series phones are too new to have any available for refurbished sales, yet, not to mention replacement. But even if that was the case, a refurbished product from Apple is just as good as the new thing. Carries the same warranty etc.


i'll report back tomorrow on how my genius appointment goes.

Dec 26, 2014 9:44 AM in response to CongressDJ

You can opt to be a knucklehead as you said but not everyone else wants to. You can get a refurbished device and nobody cares about it. But please don't say it's been only two months since iphone 6 came out and nobody have yet returned their device for warranty. May be you don't know, but more than at least 1000 devices are returned everyday all over the country. Some people even do drop test on their phone and they get replacement for it because they have apple care. And we don't know the phone you're gonna get tomorrow is a phone that someone else has drop tested. like I said before, nobody cares if you get a refurbished phone and that doesn't make you smarter than us.

Dec 28, 2014 1:58 PM in response to Hazfone

Update, as per the genius bar, there is no other solution to this problem other than phone replacement. Sorry to repeat there is a diagnogistic to test apple pay. There was no restoring, no fooling around. If the phone failed the apple pay test, you get a new phone and not a refurb, a new one. According to the genius he has replaced about 100 phones since 8.1.2 was released. Makes sense if they already had a diagnostic tool to test.


I set the phone up in the Apple store as a new phone, added a card to Apple Pay and then when I got home restored to factory and installed the back up. The cards went right in. No issues.

Dec 28, 2014 2:36 PM in response to Roshanalex

the phone was in a white sealed box, not the same as a new one as it didn't have the charger or cords but was all sealed in plastic and film on there actual phone. I asked about refurb phones they will not replace a phone with this issue with a refurb. That's what he told me and he actuall showed me a refurb 6 plus it was in a black box with no film on the screen


llooks like this is a new one

Dec 28, 2014 2:43 PM in response to Hazfone

I just spent an hour on the phone with an Apple Support Senior Advisor. He chatted with his colleagues who basically said that Apple is "gathering information" about this issue. This basically means that they are aware of the issue and are trying to figure out how to fix it. He told me he would contact me within a couple business days to give me a status update. FYI, I tried adding a card that was not previously in my Passbook, and it failed as well.


I am actually traveling to an Apple Store tomorrow, although I have not been able to make an appointment since they are so booked up. I don't know if they allow walk ins but I will have to give it a try. I appreciate the tech who is working on it but I don't know how long I am going to have to wait for a solution.

Dec 28, 2014 2:49 PM in response to Choorel

I too was working with an Apple tech who tried to replace the phone, but was told unless the engineers determine its a hardware issue he cannot replace. He did tell me I always have the option of going to an Apple Store. As I previously posted they have a diagnostic tool for Apple Pay in the store which they used on my phone and it showed no response. I didn't even have to do a restore and try to add. Just a single test that my phone failed.

Dec 28, 2014 4:57 PM in response to jpatel08

Visited the Apple store yesterday. The tech was familiar with this problem and immediately replaced my phone. There is no workaround. I offered to show him this thread, but he said there was no need. Based on his conversation with other techs, he thinks that it is the way that card is encoded into the chip that is causing the problem. It likely won't be a simple software fix. He also said that they have not received an allotment of refurbished phones, yet. All replacements at this point are new. Not that it would matter. You can't tell the difference on an Apple product, anyway. But, for those of you who think it is important… This should help in your decision whether not to go in and get this taken care of.


A helpful tip: When you get a replacement phone, make sure everything is working properly before you decide to add your cards to ApplePay. For me, I did this as the last step, ensuring all of my music and everything else was working, so that I don't have to perform another restore, thus creating the problem all over again. Don't let them try to talk you into adding your cards there at the store.


It's ridiculous that we have to even worry about this… But keep in mind not every user is having this problem. In fact, my tech told me he performed multiple restores on his iPhone 6+ and never had to exchange it due to the ApplePay problem. He was able to add his cards each time.


Good luck and be sure to continue reporting back here!

Dec 28, 2014 5:07 PM in response to jpatel08

what the genius did was get what looked like another iPhone and had me tap with my finger on the print scanner like I was trying to use apple pay. Even there are no cards it should have registered an attempt. It did not so they replaced the phone. That simple. FYI after the initial set up I did add a card and did a restore right in the store and all went back in fine.


Good luck y'all

Dec 29, 2014 2:06 PM in response to CongressDJ

I followed your recommendation to go in and try to get it taken care of. It was the easiest experience I have ever had dealing with the Genius Bar, which will most likely not be the same experience everyone has.


I said similar information about other users experience as well as my experience with support technicians. Although he had not dealt with anyone having the problem, he immediately offered to replace my device. He didn't make me show him an example of what was happening or anything. He did run the diagnostic and found a large list of software issues including springboard problems. He advised me not to restore my backup, so I have some work in front of me to manually replace my messages, call history, etc. I was able to add my cards to the new device immediately, but I'm sure that was obvious.


The bottom line is that if anyone is contemplating going to the Apple Store, I urge you to do it. If you have to, show them what happens and don't leave until they fix it or replace your deI've. Even if you have to drive to do it like I did.

Cannot add cards back to apple pay after restoring.

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