Apple Pay Disabled because of security Setting of this Mac were Modified

I found another way to fix this:

Create a 2nd user. Use the same icloud account. Log into that user, and go to system settings/wallet. Try to add, and you'll get something saying that another user on this mac is using apple pay, do you want to delete the cards. Say no.

Log back into the first user. Go back to the system settings/wallet and try to add again. When you get the "do you want to delete", say yes. Then add the cards.

Creating a 2nd user worked like a charm! This was such a nagging issue after I had to go through a whole Apple ID password reset a few days ago. All set now.

By the way, the upgrade to Sequoia causes this problem again.

2nd user solution still worked for me, though.

Thank you but did not work for me. I got the same error message when logged in as the second user. However, I did arrive at a solution. On Sonoma 14.6.1 as of August 2024, go into Settings, Software Update and see Automatic Updates. It says Security Responses with a circled "i" to the right. Click the "i" and there is a dialog box with options. I had to turn on "Install Security Responses and System Files" to be able to set up Apple Pay. (FYI, my other settings on that dialog box are Check for updates - On, Download new updates when available - On, Install macOS updates - Off, Install application updates from the App Store - Off.) Credit to a senior support technician on a support call and to the author of another post from 2020 that appears to have it correct, just a bit outdated. Good luck!

2nd user solution worked with me as well. Thanks a lot!

FYI under Sequoia when logged on the 2nd user, it didn't ask to delete the cards, just showed the previous one I had. Selected the one I wanted and finished to setup the card.

Once back to my main user, I was able to setup the card, but the system said the card was already attached to this machine and if I wanted to reinitialise Apple Pay. I said yes, then after a while I was able to continue and setup the card.

Deleted the 2nd user.

Had the same issue with Sequoia 15.0.1. All options for automatic updates were on. Set all to Off, exited the screen, and set all back to On did the trick.

There’s multiple solutions currently. It just depends what terms you use to find a post with one of at least 4 or 5 solutions I’m aware of. There may even be more.

Im glad you were able to find a solution that worked for you and shared it with the community. I’m sure members in the future will find it very useful.

Experienced this problem after updating OS to Sequoia 15.0.1. Found this thread. After 30 min on phone with Apple support, they asked if I had tried restarting... Embarrassed that I hadn't already tried that but yeah, that worked...

Awesome solution! It worked like a charm. I spent over an hour with a senior Apple rep with no solution. He finally suggested that I wipe my computer and reinstall. Glad I didn’t. 👍

Strangely this doesn't work for me.

That’s been the major way to resolve this issue. Are your systems updated?

2nd user trick worked perfectly. Apple support wanted me to go back to earlier OS version and kill beta

Adding a second user worked perfectly for me and solved the frustrating issue. Thanks for sharing!

So glad to hear you found a solution that works for you. I hope you have a great day!