Apple Wallet/Pay declines visa for ‘expired card’ but card is valid

Question

Apple Wallet/Pay declines visa for ‘expired card’ but card is valid

My Visa no longer works in Apple Wallet or Apple Pay.

My Visa worked great in the wallet fr 2020 to about Oct 2025 when suddenly it’s declined every time I used Apple Wallet. Decline reason is ‘expired card’. The card has several years left before it expires. The physical card works fine.

Apple support was unable to fix this after several attempts, remove/re-add card, diagnostic, everything. The card issuer claims they’ve had other reports of this issue yet are unable to fix it either!

I’m guessing something happened after Apple’s most recent major update (Oct 2025?) and subsequent update last week didn’t help either. OR it’s an issue with Visa’s own system/wallet/whatever it’s called.

iPhone 13

Posted on Nov 24, 2025 4:33 PM

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Answer 1

Jeff Donald

Level 8

44,562 points

Nov 25, 2025 10:55 AM in response to ITouch User THX1138

The bank controls their cards once they are added to Apple Wallet. The cards in Apple Wallet typically do not have the same card (account) number, CVV security code or expiration date as the physical card. For example one of my physical cards has an expiration date of April 2026. The card in Apple Wallet has an expiration date of September 2030. It would be unusual for the physical card and card in Apple Wallet to have same expiration date. Has your bank told you that?

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Answer 2

Ingo2711

Level 10

80,025 points

Nov 25, 2025 1:52 AM in response to ITouch User THX1138

You should tell Apple directly about this issue by using the Feedback link:

Feedback - Apple Pay - Apple

Maybe also contact your banking institution, in case this is only related to Visa cards.

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Answer 3

Jeff Donald

Level 8

44,562 points

Nov 26, 2025 5:27 PM in response to ITouch User THX1138

Ask your bank. They have the key to decrypt the information.

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Answer 4

Nov 25, 2025 9:23 AM in response to Ingo2711

Thanks but I’ve been in support calls w Apple at least 3 times and my bank twice. It’s not a priority for them except when my monthly Apple storage bill was declined then they panicked lol.

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Answer 5

Nov 26, 2025 11:39 AM in response to Jeff Donald

How can I find the assigned Apple wallet card number —it only shows the last 4 digits of the device account number/Apple Pay number?

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