Apple Pay in Apple Watch stopped accepting my cards

PNO’s typically share limited information, especially concerning fraud. The frequent traveling possibly trigger a fraud alert either at the bank level or PNO. The issue with talking to the bank is that tier one support people rarely have access to the information about why a card can’t be added to Apple Wallet.

Apple does supply limited information about your iTunes, App Store and Apple Account to the PNO and or issuing bank.

>>Additionally, as part of the Link and Provision process, Apple shares information from the device with the card issuer or network. This includes information about (a) the user’s iTunes and App Store account activity (for example, whether the user has a long history of transactions within iTunes), (b) the user’s device (for example, the phone number, name and model of the user’s device plus any companion Apple device necessary to set up Apple Pay), and (c) the user’s approximate location at the time the user adds their card (if the user has Location Services enabled). Using this information, the card issuer determines whether to approve adding the card to

Apple Pay.<<

Did you ever try adding a card while you were traveling? Were you out of the country the issuing bank is in?

Devices are treated as separate. So adding a card is possible for one device and not another. Nothing strange about it, each device is analyzed for risk of fraud.

What is the history of the Series 8 Watch? Did you buy it new or used? Who did you buy it from?

Your wife is a different person. You could probably add my cards as well. This goes back to our previous conversations you linked to from August. Your banks are blocking your cards. More specifically a PNO (Payment Network Operator — Mastercard, Visa, American Express etc.) is blocking your cards. What PNO are you various cards?