Can’t add cards to apple wallet due to high risk rating

I suspect it’s related to the past fraud related incidents, even though, to the best of your knowledge, it did not involve Apple Pay.

Many people report that a new device did resolve the issue. There is no guarantee it will. Be aware of the return policy of the company you purchase from. If it does not resolve the issue, you can always return the device, if within return period. Apple’s return period is 14 days. Some cellular carriers may be less restrictive.

You mention cards serval times, are some cards in your wallet or is it multiple cards from the same bank or multiple banks? Apple trust scores are on a scale of 1 to 5. I’ve never heard of a trust score of 100. On the 1 to 5 scale, 1 is the lowest, not 5 (or 100). Generally low scores are the result of a fraud alert being placed on a card/account that is associated with a card in the Apple Wallet and the device. It’s not an individual score, but a device score. Did you purchase your device new?

If you attempt to add a card more than 5 times, it’s automatically blocked for 24 hours, but some users are reporting their bank told them 48 hours. The device risk score is based on multiple factors, not all disclosed by Apple or the banks.

Apple discloses usage of your iPhone and other information. Here is directly from the article I linked to below.

• ”When you add a card to Apple Pay, card-related information, location, and information about device settings and use patterns may be sent to Apple to determine eligibility.”

• “Some of the above information, account-related information, and paired-device details may be shared with your card issuer or bank to determine eligibility and for anti-fraud purposes.”

Legal - Apple Pay & Privacy- Apple

Having a transaction decline, like your restaurant website scenario, has not been a factor in the past. This could be related to specific anti fraud precautions your specific bank uses.

The handling of fraud alerts, doesn’t prevent the previous fraud from being reported back to the Payment Network Operator (Visa, Mastercard, American Express etc.) and bank by your device. Has the bank confirmed with Apple the lifting of any prior fraud warnings?

Can you confirm with your bank the risk rating of 100? This new rating brings many things into factor that I can only guess at. We really need some clarity about that rating.

Who told you that your device’s risk rating is 100?

What country are you in and what bank issued the card you’re trying to add?

Any fraud alerts on account in last 12 months? Ever used a VPN on the device? How old is your Apple Account (formerly known as Apple ID)?