Invalid card message when adding debit card to Wallet

Hi, in theory it should work, but in practice all too often what we’re seeing here happens. When account holder removes a valid card, the token(s) stays. Subsequent attempts to add a valid card results in either “Contact Bank or Invalid Card” error.

Your card probably had a fraud tag on it so the token was already invalidated and was removed with the card. Removing valid virtual cards when a new card issued seems to confuse the tokenization process resulting in the old token staying, and the new card invalid because a token exists. Which in theory can’t happen. I think it’s either an issuing bank issue or Token Service Provider issue.

The wait 24 hours is probably because the cardholder attempted to add the card 5 or more times which is an automatic freeze in the system for 24 hours. This is an anti fraud protection.

Never delete cards from Apple Wallet app unless instructed to by the bank or Apple. The digital version of your card in the Wallet app is a virtual card placed there by your bank. The 16 digit number is different, the expiration date is different, and the CVV2 security code is different from your physical card. It should never have been removed.

Ask your bank to remove all tokens associated with the old card. The card may also have merchant tokens associated with it. I’m not sure the bank can remove those. But the bank should be able to see any merchant tokens and be able to tell you who the merchant is and we can figure out what payment the token is associated with.

What bank is it? The information in your Walket is only partly visible to you, but the bank can see everything. Apple sees next to nothing because everything on/in your Wallet app was encrypted on your iPhone itself or by the bank and in neither case Apple can’t see it. The key to decrypt the data is with your bank, not Apple.

Jeff Donald wrote:

Never delete cards from Apple Wallet app unless instructed to by the bank or Apple.

Jeff, would you please help me (and the other readers) understand this?

I have had cards in Wallet that suffered fraudulent charges. I removed these from Wallet of course (I guess I had implicit approval from the bank after notifying them). I also assume I could remove an expired card and simply re-enter it with an updated expiration date, which is what cocogulley described. Thank you.

Expiration date errors often are related to mis-entering the year. Pay careful attention to whether a two-digit or four-digit year is requested and entered as part of the card’s data.

Take the full 24+ hours before trying and only try once or twice at the most.

Thanks for the clarification!

You’re welcome!