Unable to add card to Apple Pay on my new iPhone 16e

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Level 1

11 points

Unable to add card to Apple Pay on my new iPhone 16e

So recently swapped from iPhone 15 Pro Max to IPhone 16e, upon going through the usual iCloud account set up I hit a snag with adding the cards I already had in my wallet. I kept getting the same error message no matter how I tried to add the cards. Called the bank spent hours on the phone with them and no fix, called apple support hours on the phone with them and no fix and was told to call bank back. Called bank back 3 hours later and ordering a new card still can’t add cards to apple wallet. Thinking it was just my bank cards i attempted to add my wife’s visa debit and Mastercard with no luck. So if anyone has any suggestions I’m open.

[Re-Titled by Moderator]

iPhone 16e, iOS 18

Posted on Apr 18, 2025 5:08 PM

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Answer 1

Top-ranking reply

Jeff Donald

Level 8

44,754 points

Apr 19, 2025 5:46 AM in response to Squid_Rock94

Please remove all traces of the VPN, including any profiles at this path,

iPhone > Settings > General > scroll down > VPN & Device Management > remove all profiles

Restart your iPhone and then reset network settings at this path,

iPhone > Settings > General > scroll down > Transfer or Reset iPhone > Reset > Reset Network Settings > restart iPhone if it doesn’t automatically restart.

Wait for solid WiFi or cellular connection and try adding a card.

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Answer 2

Jeff Donald

Level 8

44,754 points

Apr 20, 2025 4:37 AM in response to Squid_Rock94

Ask the bank to remove all the tokens associated with the card. There is a limit to the number of tokens, and when you switched iPhones the bank may not have removed the tokens.

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Answer 3

Squid_Rock94 Author

Level 1

11 points

Apr 22, 2025 2:38 PM in response to Jeff Donald

So after talking to USAA for a few more hours today they’ve finally disclosed that since I switched phones the card won’t be allowed to be put on apple wallet until 30 days has passed. If that’s the truth idk but that’s where we’re at.

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Answer 4

Jeff Donald

Level 8

44,754 points

Apr 22, 2025 6:24 PM in response to Squid_Rock94

That’s a possibility. Banks can set limits like that. However, I’m surprised that USAA does that. Most midsize banks have much shorter, if any, requirements like that. If the bank didn’t explain, it’s an effort to prevent/reduce the risk of fraudulent activity.

Wait the 30 plus days and try adding the card again. My understanding is, if you try to add the card again, even once, during the 30 day period, it starts the 30 day restriction all over again.

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Answer 5

Jeff Donald

Level 8

44,754 points

Apr 18, 2025 5:30 PM in response to Squid_Rock94

Do you use a VPN, ever had VPN or antivirus software on either iPhone? Is iOS updated?

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Answer 6

Jeff Donald

Level 8

44,754 points

Apr 22, 2025 4:52 AM in response to Squid_Rock94

The likely issue is Visa. Apple first sends the card details to the payment network operator, who in your case is Visa. Mastercard approved their card.

If Visa had approved the card, they would have forwarded the information to your bank. Is the banking receiving the information from Visa?

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Answer 7

Squid_Rock94 Author

Level 1

11 points

Apr 21, 2025 4:42 PM in response to Jeff Donald

Called and done that, as I was explaining to them about the tokens they informed me that my phone number is the token and my number is blocked from the system. Told me it could be a service provider issue and to call T-Mobile. So I called T-Mobile and went through the normal troubleshooting process just to be told everything is good and to call apple. Called apple and went through 3 techs just to land at the iOS tech and be told I needed to restore my iPhone to iOS 18.4.1, after doing that I still can’t do anything Visa card wise.

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Answer 8

Squid_Rock94 Author

Level 1

11 points

Apr 19, 2025 5:09 AM in response to Jeff Donald

I have used VPNs previously but no longer. And the iPhone is updated. I’ve checked the region settings also to see if everything was correct there.

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Answer 9

Squid_Rock94 Author

Level 1

11 points

Apr 19, 2025 8:17 AM in response to Jeff Donald

Just did all that and still can’t add cards, would you have anymore suggestions?

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Answer 10

Jeff Donald

Level 8

44,754 points

Apr 19, 2025 8:28 AM in response to Squid_Rock94

Are you getting same error message? Have you traveled or changed regions on your iPhone recently?

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Answer 11

Squid_Rock94 Author

Level 1

11 points

Apr 19, 2025 1:17 PM in response to Jeff Donald

Still getting same error messages and no. The only time I went in and changed the region was when apple support directed me to Friday.

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Answer 12

Jeff Donald

Level 8

44,754 points

Apr 21, 2025 5:01 PM in response to Squid_Rock94

Your phone number is not the token. What bank are you dealing with?

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Answer 13

Jeff Donald

Level 8

44,754 points

Apr 21, 2025 5:05 PM in response to Jeff Donald

Why did you mention Visa? Are cards on other payment networks working?

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Answer 14

Squid_Rock94 Author

Level 1

11 points

Apr 21, 2025 7:00 PM in response to Jeff Donald

I told them that’s not how tokens work, and it’s USAA and I mentioned Visa Cards cause I was able to get my Apple Card back on it and it’s Mastercard if that makes any difference.

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Unable to add card to Apple Pay on my new iPhone 16e

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