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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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Question marked as Top-ranking reply

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

Jan 1, 2015 4:16 AM in response to Roshanalex

Congrats....you waited it out and Apple fixed it, good call. The bad thing for me is I had to go to an Apple Store during the holidays and had a phone replaced, no it wasn't a referee. But the good thing for me is that my phone is now unlocked. Go figure!


Congrats to all who waited add I'd like to think this thread made a difference.

Jan 1, 2015 7:40 AM in response to Hazfone

@hazfone: I didn't go for a replacement but my phone is unlocked too because I bought it unlocked for full price.

FYI, Apple won't unlock your phone when you get a replacement. The same status as your old phone is applied to the new phone. It's an automatic transfer process. Apple employees can't simply give you an unlocked phone. If you're sure you got an unlocked phone, that's because your old phone was unlocked too. according to the new carrier plans, carriers won't give you a locked phone unless you're in some kind of contract with them because with the new plans, you're financing your phone Not subsidizing. That means you're purchasing your phone for full price. So they won't lock it.

Jan 1, 2015 8:52 AM in response to Roshanalex

IT's off topic but I purchased my phone from Apple although I did use ATT's next plan. Fortunately it takes a couple of days for the Apple sale to catch up with ATT's systems. So the day I received my first 6 plus, as I have done with other iPhones on one of my numbers that were off contact requested ATT unlock on their website. It was granted quickly. However if you wait more than a day to two the systems catch up and ATT detects its under contract on the next agreement. When I received my new phone a few days ago as soon as I returned home I requested the unlock on one of the other lines and it was also granted. Restore through iTunes and "congratulations your iPhone is unlocked" message comes up. It's just a matter of timing.


Again congrats to all who hung in there, I hope all that had the Apple Pay issue let us know all is well.

Mar 23, 2015 11:34 PM in response to Roshanalex

I had the same issue after restoring my phone. I was able to add one of credit cards but not the other one. After looking for a solution for a while online, I decided to try to access my card's online account. I was wondering if the bank somehow remembered that I had this card linked to ApplePay and reset this online. Of course I didn't find anything. However after I updated my online personal information (updated the phone number) for my credit card, I decided to try adding the card again. For some reason the problem disappeared ... and I was able to add the card on the first try!

Jun 10, 2015 4:31 PM in response to Rubricabrak

I had to delete icloud since it was sucking up so much mobile data bandwidth when I was traveling internationally recently..of course it wiped all the apple pay cards that were associated with the phone and an apple watch.


I didn't try to add them back when I was abroad, but about two days later total when back in the USA I simply added them again. AMEX and CHASE VISAS and they all went back on the phone and watch no problem.

Jun 18, 2015 2:20 PM in response to tivoboy

I just updated my iPhone 6 to iOS 9.0. I had my VISA and AMEX on Passbook on 8.4. Wallet allowed me to add my VISA with no issue. I could not add my AMEX, "Could not add card: Try again or contact your card issuer for more information." AMEX was no help. Did anyone else find any fixes other than get a new phone or wait for something magically to happen?

Jul 12, 2015 4:28 AM in response to Roshanalex

I Had the same exact problem and just fixed it!!! my problem came from a restore just like everyone else's. Tried to add cards and got the same error message as you guys. But I just fixed it! Here is what I did:


1. Go to settings

2. Select iCloud

3. Select your Apple ID (at the top)

4. Select payment

5. Tap on the card you have stored there (most likely for iTunes purchases)

6. Enter your expiration date and security code and click save.

7. Then go back to the main settings menu and select Passbook and Apple Pay

8. Select Add credit or debit card

9. You should then be prompted to enter your security code. Enter that and it should work this time. You can then go through the process of confirming that card and adding other cards.


Let me know if that works for everyone else. Worked for me!

Sep 19, 2015 6:50 AM in response to Roshanalex

The issue, which was resolved early this year, is clearly back. iOS9 is causing the exact same problem to occur for users. I have tried all recommended advice on this thread and nothing works, either will have to wait for apple to fix the issue in the background or resort to the extreme end of swapping the device out (which seems insane to me). I can also concur that it stopped working precisely when it stopped showing the 'stored' card from my iCloud account in the setup process (i.e having to enter the card manually/via camera as apposed to just putting in the security code for the stored card).


I have noticed a few journalist websites reporting the issue so hopefully it gets flagged up fast.


Update if you have any info or come across a solution.

Cannot add cards back to apple pay after restoring.

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