Unable to add Discover card to Apple wallet

Question

Level 1

4 points

Unable to add Discover card to Apple wallet

Where do I even begin? I got the 16 pro a few days ago and added my cards on with no issues and was able to use it that day as well.. the next day, my discover would constantly decline every time I used it with Apple Pay, it was also happening the day after that. (I want to add that my discover works just fine once using it physically or if I input the information in manually, it just won’t work with Apple Pay). I deleted it off my phone and tried re-adding it and now it just keeps saying “contact your card issuer for more information”.

I have literally been back and forth with Discover and Apple about this issue and not a single one has been able to come up with a solution as to why this is happening and how I can fix it.

I have tried adding it in through the discover app… I’ve tried through mobile wallet… I’ve tried deleting the wallet app, redownloading it and adding it in… I’ve tried resetting my network settings…

I’m just so beyond frustrated with this and hope that someone can help me

iPhone 16 Pro

Posted on Oct 30, 2024 7:05 PM

Reply

Answer 1

I_lena98 Author

Level 1

4 points

Oct 31, 2024 4:43 AM in response to Jeff Donald

They’ve been telling me that they checked everything out on their end and they don’t see why I can’t add it to my apple wallet again.. they checked for fraud and everything and said that everything looks okay and that it may just be something on apples end

I did try adding my discover to my Apple wallet on my iPad and that ended up working, but it still won’t go through on my iPhone which is odd

Reply

Answer 2

Jeff Donald

Level 7

25,671 points

Oct 31, 2024 2:43 PM in response to I_lena98

You’re in a unique situation. Discover Card is both the issuing bank and Payment Network Operator (PNO). A PNO is the network the transaction travels through before getting to your bank. If the PNO has a fraud block your credit card cannot be added to Apple Wallet.

When you attempt to add your card via the Discover app, you have virtually bypassed the few limitations Apple alerts the PNO and your bank to.

My advice is to contact the Apple Pay Support team at Discover. They hold the key to your issue.

Reply

Answer 3

I_lena98 Author

Level 1

4 points

Nov 3, 2024 4:29 AM in response to Jeff Donald

I do, I have my debit card on there! I tried taking that off and re added it and it worked.

I did also try adding my discover to my Apple wallet on my iPad and strangely enough, it went through.. for some odd reason, it’s just my phone that won’t let it get added. I’ve tried both, adding it through the discover app and the wallet itself and neither would go through.

I’ve tried deleting and redownloading both apps and same thing keeps happening 🤷‍♀️

Reply

Answer 4

Jeff Donald

Level 7

25,671 points

Nov 3, 2024 11:20 AM in response to I_lena98

OK, that’s good. Used, refurbished or demo iPhones can have sketchy history. Is your Apple ID new or have your had it for awhile? Do you have any subscriptions, like iTunes, iCloud, apps, Apple TV, etc. associated with your Apple Account (formerly known as Apple ID)?

Reply

Answer 5

Jeff Donald

Level 7

25,671 points

Nov 3, 2024 11:35 AM in response to I_lena98

Do you use your iPhone for texting and emails? Have you had the phone number for a while? Have your moved recently and your address, phone number etc. the bank has does not match your iPhone? Do you have locations service turned on for your Wallet App/Apple Pay? Have you tried both cellular and WiFi when you try to add the card?

Reply

Answer 6

Jeff Donald

Level 7

25,671 points

Nov 3, 2024 1:01 PM in response to I_lena98

I’ve run through about all the possible issues that might prevent your card from the Apple side of things. This is really a Discover issue, in my personal opinion. How many times in the last 24 hours have you tried to add the card to your Wallet? Is it more than 5 times?

Reply

Answer 7

Jeff Donald

Level 7

25,671 points

Oct 31, 2024 4:24 AM in response to I_lena98

What specifically has Discover been telling you?

Reply

Answer 8

Jeff Donald

Level 7

25,671 points

Oct 31, 2024 5:26 AM in response to I_lena98

Do you use the same Apple Account (formerly Apple ID) on both devices?

Reply

Answer 9

I_lena98 Author

Level 1

4 points

Oct 31, 2024 2:21 PM in response to Jeff Donald

I do!

Reply

Answer 10

I_lena98 Author

Level 1

4 points

Nov 3, 2024 3:25 AM in response to Jeff Donald

I spoke with them and they checked for a fraud block and said there wasn’t any.. Apple and discover are still trying to figure out the reason

Reply

Answer 11

Jeff Donald

Level 7

25,671 points

Nov 3, 2024 4:22 AM in response to I_lena98

Do you have any credit or debit cards in your Wallet app?

Reply

Answer 12

Jeff Donald

Level 7

25,671 points

Nov 3, 2024 4:48 AM in response to I_lena98

Blocks specific to the device. If you’d an Apple Watch you could add it to Wallet on it.

Where did you purchase your iPhone 16 Pro? Was it brand new?

Reply

Answer 13

I_lena98 Author

Level 1

4 points

Nov 3, 2024 11:11 AM in response to Jeff Donald

I got it from T-Mobile, it was brand new, I took it out the box myself

Reply

Answer 14

I_lena98 Author

Level 1

4 points

Nov 3, 2024 11:23 AM in response to Jeff Donald

I’ve had it for a while, and I have an iCloud subscription that’s associated with it!

Reply

Answer 15

I_lena98 Author

Level 1

4 points

Nov 3, 2024 11:43 AM in response to Jeff Donald

Yes, and I’ve had this number for years. Address is still the same and hasn’t changed, and location is on. I have tried both cellular and WiFi and still nothing

Reply