Cannot Link a Visa card to Apple Pay

Repeatedly trying to add cards is a sign of fraudulent activity. The rep was correct in stating it’s unrelated to the first issue, but is it an issue that you created, yes.

Your lack of understanding of how Apple Pay works does not mean you’re being lied to. Rather than making false accusations and stating >facts< that aren’t in evidence, try asking questions and learning about how Apple Pay works.

In very simplistic terms, the card numbers are encrypted, and given a unique number specific to the device. This information is sent to your bank, the bank creates a unique encrypted number that only they have the key for decryption.

At this stage the bank takes over verification and sends a notice to your iPhone that they’ll text you, email you or do a voice or recorded call. Are you getting that notice?

There are multiple possibilities as to why? Your bank has troubleshooting they can do and your iPhone could have settings wrong, software errors and even hardware issues.

What steps did Apple Support go through with you?

There are a LOT of links in the chain where issues can occur.

Almost ALL are outside of “Apple” who is only involved — essentislly as a “relay” — during initial setup.

I’ve experienced this sort of issue and it WAS indeed one my issuer’s sub-contracted service providers … although it took 8 weeks — AND finding the RIGHT person — to sort-out.

A quite good primer on the technical processes involved is available here if you’re at-all interested:

https://codeburst.io/how-does-apple-pay-actually-work-f52f7d9348b7

Question: Have you EVER had THIS card installed on THAT particular “problem device” ?

Thanks for the reply, but again …

Question: Have you EVER had THIS card - specifically the same 16-digit account number - installed on THAT particular “problem device” ?