New card from Barclays won't add to apple pay

This is not an Apple issue, but rather a Barclays issue. Apple provides the same set of information to all banks that are attempting to add a payment method. 

“When a user adds a credit, debit or pre-paid card (including store cards) to Apple Wallet, Apple securely sends the card information, along with other information about the user’s account and device, to the card issuer or card issuer’s authorized service provider (usually the payment network). Using this information, the card issuer (or its service provider) determines whether to approve the user’s request to add the card to Apple Wallet.”

Card provisioning security overview - Apple Support

The banks need to establish the security of your device and the ownership. Apple provides the following information. 

“When you are adding a payment card like store, credit, debit, and prepaid cards to Apple Pay, information you provide about your card, and whether certain device settings are enabled may be sent to Apple in order to determine your eligibility to enable Apple Pay and its features. Your device may also evaluate device use patterns (for example, percent of time device is in motion, approximate number of calls per week) to help identify fraud. The information evaluated by your device is not shared with Apple in a way that can be linked to you.”

Apple literally does not know and cannot track any of the information back to you. The information your iPhone discloses to your bank would have to be shared by the bank to Apple. Even then, Apple can’t change the data your iPhone is reporting. 

“Information may also be provided by Apple to those entities to enable Apple Pay, determine card eligibility, set up your card with Apple Pay, and to prevent fraud, including:

• Your credit, debit, or prepaid card number
• The name and billing address associated with your Apple Account
• General information about your Apple Account activity (for example, whether you have a long history of transactions within iTunes)
• Information about your device and, if using Apple Watch, the paired iOS device (for example, a device identifier, phone number, and the name and model, for both your Apple Watch and paired iOS device)
• Location at the time you add your card (if you have Location Services enabled)
• Account or device history of adding payment cards
• Aggregated stats relating to the information from payment cards you’ve added or attempted to add to Apple Pay

Legal - Apple Pay & Privacy- Apple

Ask your bank if they are receiving data from the Payment Network Operator (Mastercard, Visa etc.)? 

It is extremely unlikely that Barclays is in negotiations with Apple. Apple literally can’t tell them anything. They don’t have the ability to see the specific data. 

I’ve done some digging for another community member on similar topic of stolen cards. Here is the thread and I’ll copy and paste my response here too.

The issue becomes rules. If Barclays wants a rules change, they need to talk to the PNO or whomever they use for their Tokenization Service Provider. But these are all hard configured software selections when their software is implemented on the backend. The people in front of the consoles do not have a switch to override security issues. Banks need to be proactive in resolving their customers service issues.

How do I add a new credit card to Apple P… - Apple Community

Apple doesn’t have a system for tracking lost or stolen credit cards. When you enter data for adding a card to Apple Wallet, Apple sends the encrypted data to the Payment Network Operator or PNO (Visa, Mastercard, American Express etc.) and they tell Apple when a card is reported lost or stolen and the PNO blocks the attempt to add the card.

Apple has no way of actually knowing if the card is stolen or not. The PNO does certainly know when one of their cards is lost or stolen. How do they know? You’re banks support team reports it as lost or stolen so transactions can be blocked. All credit cards transactions/payments flow through their respective network.

Your bank has to talk to the PNO. Not all banks use the PNO for card verification, some banks use a third party. You bank has to talk to the PNO or whomever they use for tokenization services and get your card cleared.

Is it Barclays in UK or US? Please let me explain the process of adding a card to Apple Wallet.

When you submit information for verification your iPhone encrypts it and sends it to the Payment Network Operator (Visa, MasterCard, American Express etc.) and if they can verify information, it’s encrypted again and sent to the bank.

Does your bank see the information coming from the PNO? If they don’t. The PNO is blocking your cards. If they do receive the data, they verify you and verify your device through their own Two Factor Authentication. If you, your device and cards are verified, bank sends data to a Token Service Provider (TSP), and a payment token representing your card is created and sent to Apple servers and then added to your Wallet by Apple.

If the bank isn’t receiving data from PNO, then that’s the issue. Your bank needs to contact the PNO and resolve that issue.

All banks and PNO’s have a set of internal rules based on risk of potential fraud. Based on the information they obtain, your application is classified on of 4 ways, Red Flow, Orange Flow, Yellow Flow and Green Flow.

Red flow is automatic decline, orange and yellow flow require additional steps but cards are almost always approved and green is automatic approval with no further verification required.

Banks and PNO’s do not disclose their internal proprietary processes for evaluating risk. But something is triggering the red flow path and your card is being rejected. Start by asking Barclays if they are receiving data from PNO if yes, why you’re being red flowed? If, they aren’t receiving data from PNO why is it being stopped?

Hi,

I have had this exact same problem and have discovered the reason after one month of frustration. My 5th call to Barclays fraud department has told me that there is an issue between Barclays and Apple resulting in cards which have been associated with an account or card with fraud that there is no way of adding a subsequent card to Apple Pay/Apple wallet.

The Barclays lady told me that Apple and Barclays are in negotiations and they are hoping for it to be resolved soon.

She told me to try once a week and hopefully and eventually the problem will have been resolved and my card will add to Apple wallet.

I can’t believe that during this month of speaking to Barclays Premier, Barclays fraud and Apple that no one else knew this!

Fingers crossed that it is sorted soon!

Hope that helps.

You’re welcome and I’m happy to work with you and answer any questions you may have.

You’re welcome!

I am having same issue with Barclays UK, but other cards from different banks I removed as per Apple now I am unable to add back, stock without any card I Apple Pay :/

Did you read my responses to OP? The same applies.