Q: Cannot add cards back to apple pay after restoring.

No Cards to Remove WiseJD, that is part of the problem, the restore activity removes them. Even get a note from the banks saying so. But iPhone/Apple will not let you add them back.

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?

Well we'll see. I'm restoring my phone now from my backup. It was working when I left the apple store, but we'll see now that I'm restoring my data to it if that sticks.

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 don't know what the cause is but with my new phone I was able to wipe it and then add cards to it after the restore. So it worked on the new one without an issue.

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.

I went to the apple store they had be do the same thing I have been doing for the week on phone with apple support. They said they couldn't replace the hardware because there were no hardware issues...nots sure what to do now?

Sorry to hear that sir. Both on the phone and in store they determined mine to be an issue with the hardware because no software restore would ever fix it. Once they tried the software restore in store once and saw it didn't do anything they brought out a new phone quick. Was out of there in about 30 minutes total.