I can’t verified my capital one card one my Apple Pay

There are many variables in this post with people trying to verify Authorized User accounts and other users being out of the country and still others using WiFi and having connectivity issues and on and on. The commonality is the card(s) are issued by Capital One.

If you want to explain the issue you’re having I’ll try and assist, but different issues have different solutions, obviously. 😀

I’m just getting around to this now. I live in Europe and picked up my Capital One Venture card while visiting the U.S. I tried adding it to Apple Wallet after I got back, using both WiFi and my European phone plan, but like others have mentioned, it didn’t work. However, when I switched to my U.S. prepaid SIM (Ultra Mobile, which I use on some months I visit), which has some tiny amount of roaming data included, I turned on roaming, disabled WiFi, and voilà—it worked!

Note: My first attempt with this I try with a VPN to the U.S., but that didn’t work either, whether I was on WiFi, my European data plan, or the prepaid data (I initially thought that would be necessary, but no). I suspect there’s some security measure at play.

My Capital One credit cards are verified, but not my debit. Thank you for that suggestion.

Not totally sure on the wifi thing. Currently I am outside the United States and hence on wifi (airplane mode with wifi on) to save on roaming costs and use the wifi calling feature.

But even when inside the US and on mobile date, I have always had problem verifying my Capital One debit card to apple pay using the mobile app verification. I always have had to call Capital One support and they did something at their to complete the verification after asking few questions.

I added the card to Apple Pay and it said needing to verify, same as others it wouldn't work. I had my capital one mobile app open on my phone, hit the WiFi off, and instantly the app asked me if I wanted to verify the card. Crazy!

There are multiple security measures in effect. The VPN is a known tool of fraudster and hackers. Being overseas is a huge red flag for most banks. Location services information is also shared by the phone with your bank, and most banks will not approve a card for use with Apple Wallet if you’re not in your home city. I’m sure the US SIM card did the trick.

Adding this as something helpful, as I just struggled with this issue for 2 months.

I lived in the US for the past 5 years and now I moved back to Europe. However, I was ensured I could keep my account open and everything would run smoothly (haha jokes on me). Anyway, my card got hacked and I had to get a new one sent to me.

The only way this will work If you are outside of the US, or just struggle to get it verified is to: Turn off your WiFi, turn on Data Roaming and Cellular data, keep in mind IT HAS TO BE AMERICAN SERVICE PROVIDER, otherwise it won’t work. And then your card will get verified for no issue. It is sad that this resolved me to having to buy International Roaming pass to just get my card into Apple Pay, but it is the only way how to work this.

Not sure what country that is for, but each individual will need to use the Apple Support article I linked to below to determine if a bank located in their country support Apple Pay or not.

Apple Pay participating banks in Asia/Pacific, Africa, Europe Latin America, Middle East and United States - Apple Support

The screen shot below shows that Capital One supports Apple Pay as of June 13th 2024. Use the link above to view current banks that support Apple Pay.

Identical situation !!! Not sure what a workaround is but is very annoying !

When I go into Profile->Digital Wallet Manager, only Google Pay and Paypal are listed. ApplePay is not one of the items.

Wi-Fi will always be a problem with the Capital One network. It’s better to do it on your Internet service provider of your carrier. This will solve the issue and Apple Pay does work with the cards once you verify it on the app.

This thread is from 2023 but I was on the phone with Capital One just last week & the rep helping me out told me that the card is supported by Apple Pay still, at least in the US. I can't, for the life of me, get my card back to Apple Pay though.

I've been having problems trying to add my Capital One card to the Wallet for the last 30+ days. I was told at the end of May (2024) that I needed to wait 30 days. I did so, and it still doesn't work. I escalated, and was told today (7/2/24), that there is a known problem with Apple and Capital One, and I need to wait another 30 days. This is ridiculous.

It’s a Capital One issue. All other debit cards are working properly in Apple Wallet. Post similar to yours are starting to appear across social media sites. You’re the third person today that I’ve commented with about C1 debit cards.

Capital One stopped verifying cards for apple pay via phone calls. The apple verification step must be done via profile>digital wallet. However, you must turn off WIFI first and use your mobile internet to complete the verification step via the app. Capital One and Apple for some reason have not been thoroughly made aware of this issue or solution.