If you can't add a card to Apple Wallet to use with Apple Pay (2024)

FAQs

Why does it say unable to add card to Apple Pay? ›

Contact your card issuer to see if they support Apple Pay. Update to the latest version of iOS, watchOS, macOS, or visionOS. Confirm that you have Face ID, Touch ID, Optic ID, or a passcode set on your device. Make sure that you are in a supported country or region.

If you can't add a payment method

If you're using an accepted payment method but your Apple ID is set to a different country or region, change your country or region. If the Add button is grayed out, you might be in a Family Sharing group and you use purchase sharing.

The card is not recognized in your country. Insufficient balance or account in arrears. Account suspended for suspected fraud (not necessarily by you) Error in card number.

Please call 1-800-MY-APPLE and speak to an Apple Specialist for more information.

Your account may be restricted if your identity verification fails multiple times, if there are multiple accounts tied to the same social security number, or if there's suspected fraud on the account.

What is the difference between Apple Pay and Apple Wallet? Apple Pay is the safe way to pay and make secure purchases in stores, in apps, and on the web. Apple Wallet is the place where you store your credit or debit cards so you can use them with Apple Pay.

Apple Pay works with major credit and debit cards from banks around the world, with more added all the time. You can see all the banks that support Apple Pay here. If your card does not yet support Apple Pay, contact your bank for more information.

You can easily add money to your Apple Pay account without having to use a credit card or bank account. Purchase a cash card or a prepaid credit card with a Visa or MasterCard logo. Some prepaid cards with an American Express logo can also be used (but may not always be accepted).

If you hold up the iPhone and Apple Pay isn't working, select a credit card manually in the Wallet app to make a payment. Remove and re-add the credit or debit card. There may be a credit or debit card that gives you repeated issues when you use it on Apple Pay.

Why is my payment method declined? ›

A generic bank response which simply indicates that the bank is not willing to accept the transaction. The transaction may be declined due to a high level of recent activity on a card, a lack of matching AVS information, the card is over its limit or a range of other reasons known only to your bank.

There are a number of reasons the charge or verification might be declined: Apple is not allowed to accept credit or debit cards in your country. The card is not recognized in your country. Insufficient balance or account in arrears.

There are a few reasons why your card may not be working on Apple Pay such as the card being locked out of the app or insufficient funds. If Apple Pay is not working and you know there is money on the card, try one of these ways to troubleshoot: Verify that the vendor accepts Apple Pay.

If this is the first payment that you've received or if you turned off the setting to automatically accept payments, then you need to tap to accept the money. Tap Settings > Wallet & Apple Pay, then make sure that you turned on Apple Cash.

One possible cause of unavailable Apple Pay services is incorrect regional settings. If you're unaware, Apple Pay is not accessible to all countries worldwide. So, if your region is set to a place or country where it's unavailable, you will likely see this issue on your Apple device.

- Apple is checking with your financial institution if the payment method is valid and receiving a negative response. Make sure the name and address are entered exactly as it appears on your financial institution bills and that the 3 digit CVV is correct.

Vanilla Visa Gift Card is a prepaid debit card and some cards are issued by banks that do not support Apple Pay and/or subscriptions. You'll need a different payment method.

User reports indicate no current problems at Apple Pay.