My iPhone no longer accepts adding a card from any bank. I've already been to the bank and contacted Visa and still no one has resolved the issue. It just says that the wallet error means I need to contact the card administrator. I've already removed the app and now I don't have any cards in my wallet.
[Re-Titled by Moderator]
iPhone 14 Pro, iOS 18
This is not an Apple issue, but rather a bank, Payment Network Operator, or Token Service Provider issue. Apple provides the same set of information to all banks that are attempting to add a payment method.
“When a user adds a credit, debit or pre-paid card (including store cards) to Apple Wallet, Apple securely sends the card information, along with other information about the user’s account and device, to the card issuer or card issuer’s authorized service provider (usually the payment network). Using this information, the card issuer (or its service provider) determines whether to approve the user’s request to add the card to Apple Wallet.”
Card provisioning security overview - Apple Support
The banks need to establish the security of your device and the ownership. Apple provides the following information.
“When you are adding a payment card like store, credit, debit, and prepaid cards to Apple Pay, information you provide about your card, and whether certain device settings are enabled may be sent to Apple in order to determine your eligibility to enable Apple Pay and its features. Your device may also evaluate device use patterns (for example, percent of time device is in motion, approximate number of calls per week) to help identify fraud. The information evaluated by your device is not shared with Apple in a way that can be linked to you.”
Apple literally does not know and cannot track any of the information back to you. The information your iPhone discloses to your bank would have to be shared by the bank to Apple. Even then, Apple can’t change the data your iPhone is reporting.
“Information may also be provided by Apple to those entities to enable Apple Pay, determine card eligibility, set up your card with Apple Pay, and to prevent fraud, including:
Legal - Apple Pay & Privacy- Apple
Ask your bank if they are receiving data from the Payment Network Operator (Mastercard, Visa etc.)?
That is a poor decision. Your credit card(s) are now associated with three different Apple Accounts (formerly Apple ID) and three different iPhones. That’s exactly the behavior of fraudsters.
Every time you try to add a card to your iPhone, it records your attempts. So if you have one card failing all the others will be affected.
Legal - Apple Pay & Privacy- Apple
What’s the history of your iPhone 14 Pro? Did you purchase it new from Apple? How did you acquire the iPhone?
Have you ever used a VPN, had VPN app or antivirus apps on your iPhone?
What country are you in?
How many devices are associated with your Apple Account?
Who is the bank using for their Token Service Provider?
I've already asked at the bank, I've asked at Visa and everyone receives it, do you know why I say it's a problem with my iPhone 14 Pro, because it works on the 15 and works on the 16 I have friends with these phones and they work normally I've looked for a solution everywhere and always the same answer from the wallet “contact tour card issuer for more information”
Unable to add bank cards on my iPhone 14 Pro Apple Wallet
