Can’t add card to Apple Pay

Is your card still on your wife’s iPhone? Does you wife share you Apple ID or does she have here own Apple ID? I read what you posted earlier, but it would be best practice to double check and confirm it’s not on here iPhone and she’s not logged into your ID.

The block is per device, not per card. If your card is compromised, the fraudulent user will try to add it to your device, using your Apple ID and adding their device to your Apple ID. So when too many attempts were associated with device/iPhone, your iPhones unique identifier was blocked by your bank. How often have you tried to add the card to your iPhone?

Please contact the bank. When too many attempts to add a card and verify it, the bank thinks fraudulent attempt to add the card. I suspect the bank has blocked the card. You may need to request the bank remove any verification blocks on the card account. Sometimes you can bypass the block by using the banks app or website to add the card.

To the best of my knowledge Apple doesn’t block cards. Have you contacted your bank’s fraud department, via phone, and inquired about your issue?

You’ve stated you have a new card? Did you confirm the cards account number was changed? The magnetic strip on the back has a fixed number, which is the same as the number imprinted on the card. If that number didn't change, it’s the same card.

Another issue could be with your iPhone. Do you have Apple Care on your device? You’re welcome to contact Apple Support. Some credit cards offer phone insurance if you pay your cellular bill with their credit card. Apple Support can remote into your iPhone to do some diagnostics, but I’m not sure it can be something as extensive as diagnosing your specific issue.

I’m more than happy to go down a path of evermore aggressive possible solutions. You can also jump right to the most aggressive approach. It’s your call. But either way I’ll need to know what model iPhone and what iOS your iPhone is on.

What did your bank say when you contacted them?

That’s great news. Thank you for the update. I hope you have a great weekend!

It could have been the update. If a prior update had an error during update, that could have been the issue, and the update fixed the error. It’s also possible the delay was the fix. There is anecdotal evidence that some holds may last 7 days. Certainly a new Wallet app can fix the issue.