I cannot add my bank cards and afterpay to my apple wallet

Sure, what country are you in?

Confirm your region is set correctly.

Change the language and region on iPhone - Apple Support

Change your Apple ID country or region

Do you use a VPN, or ever had VPN software on your iPhone?

Have you tried using both WiFi and cellular?

Are you logged into your Apple ID, Apple App Store and iTunes Store?

Is your iPhone updated to latest iOS version, 17.6.1?

What country are you in now? What country is your bank in?

Remove the VPN profile, delete the VPN software and reset your network settings. Please follow this path,

iPhone > Settings > General > Transfer or Reset (Settings > General > Transfer or Reset [Device] > Reset > Reset Network Settings. Device) > Reset > Reset Network Settings. 

Please do a forced restart of your iPhone.

Force restart iPhone - Apple Support

Try adding a card to your Wallet app.

Set up Apple Pay - Apple Support

It’s an issue with either the bank or the Payment Network Operator (Visa, MasterCard, American Express etc.). I can run through various settings on your iPhone with you, but Apple Support probably already did that. I’m happy to do it again if you like.

Your card is being Red Pathed or Red Flowed by your bank or PNO or both. Ask your bank why they are Red Pathing your card?

Apple does not approve or decline adding cards. All Apple does is transmit data to the PNO and your bank. It’s their responsibility to verify your identity and authorize your card to be added to the iPhone. Apple cannot add a card to the Wallet.

If you were using a VPN, you’d have a profile installed in your Settings app. What you’re seeing is where the profile would show. If no profile is visible, it sounds as if you don’t use a VPN.

I’m not sure what they mean by card network. Is the bank not supporting Apple Pay or does the Payment Network Operator (Visa, MasterCard, American Express, etc.) have your card blocked? Do you know who the PNO is?

AfterPay or whomever their bank is can contact MasterCard and see if they are blocking your cards. The PNO will not speak directly to the consumer (you). Your bank needs to open up a support ticket in regard to your cards. Mastercard can verify if they’ve blocked the cards or work with your bank to resolve the block.

I spoke with afterpay they said the card network has blocked my card and they can’t do anything about it, either afterpay is too lazy to do an investigation or they don’t care about their customers that’s why they don’t have a contact number ,all they say is use another device.

Did you read my post? Do you understand that the issue is with your bank and PNO? What do you mean, yes please? Yes, please what?

Press and hold the app until it starts to jiggle and then X it out.

Is your region set to Australia?

iPhone > Settings > General > Language & Region > Region > Australia.