Unable to add Card to wallet on one device only

Yes, when fraud is reported on a device by the bank or PNO, Apple may be notified. Apple uses information obtained from your device, issuing bank and PNO. The information is used to determine eligibility for Apple Pay. The criteria for eligibility is predetermined by the bank, PNO, and Apple. Fraud on a device may make the card ineligible for Apple Pay.

Here is what Apple specifically states and below is a link to the complete article.

“Information that you provide about your card, whether certain device settings are enabled, and device use patterns — such as the percent of time the device is in motion and the approximate number of calls you make per week — may be sent to Apple to determine your eligibility to enable Apple Pay. Information may also be provided by Apple to your card issuer, payment network, or any providers authorized by your card issuer to enable Apple Pay, to determine the eligibility of your card, to set up your card with Apple Pay, and to prevent fraud.”

Apple Pay security and privacy overview - Apple Support

Published Date: October 08, 2024

When fraud is reported on an account and the account is authorized by the bank to use Apple Pay, Apple is notified. The history of fraud is subsequently reported to banks when cards are added in the future. Banks and PNO use limited device history to determine eligibility.

If your bank is telling you something changed in April, it sounds like the bank’s internal policies may have changed.

In the terms and conditions for Apple Pay and Apple Wallet, here is their statement.

”Apple is not a financial institution. Apple Pay Cards are not issued or serviced by Apple, and Apple does not process payments or other non-payment transactions made on your Supported Cards. Apple has no control over, and is not responsible for, any payments, chargebacks, returns, refunds, funds transfers, rewards, value, discounts, access, identity verification, orders, order fulfillment, or other activity that may arise out of your use of Apple Pay or Wallet.”

Apple Pay Wallet Terms and Conditions

Last Updated: September 16, 2024

This all leads back to the bank or the PNO needing to remove the fraud notification:block. So while technically Apple may be blocking the individual card from Apple Pay, they have no authority to remove the block. Apple Support has no way to verify your or your card. Only the bank and PNO (potentially if the bank has authorized them) have the ability to verify you and your account/card. Support can’t just push a button and make necessary changes and/or additions to add your card. It’s all going to start with the bank working with both PNO and Apple, if necessary, to resolve the issue.

Yes, each device has a separate SEID (Secure Element ID -where encrypted card details are stored) and each device is given a separate DPAN (Digital Primary Account Number). That way the bank and PNO Fraud Departments can tell which device is compromised and take appropriate action.

FYI, you already understand more than the bulk of Tier 1 CSRs at many card issuers.

In fairness, those Tier 1 CSRs might not even be given the tools to see — much less resolve — the issues under discussion in this thread.

The only method is polite but firm and persistent re-statement of the known facts and your inability to use their card as they offer and intend.

Continue to ride the “Service ‘up’ Escalator” until it’s resolved.

I suspect that the PNO had a block still on the card. The bank support team will need to contact the PNO to remove the block.

Apple does not approve or decline adding a card to your Wallet app. Your iPhone sends encrypted information about your iPhone and the information you entered when attempting to add your card, to the Payment Network Operator (Visa, MasterCard, American Express and Discover) and if they approve, it’s sent to the issuing bank for final approval. Information you’ve entered on your iPhone, not entered or entered incorrectly could look like fraud to the PNO or your bank. If the algorithm detects suspected fraud or there is a block/alert, your request is rejected and an appropriate error notification is displayed in the Apple Wallet app.

No, but if you do, they really can’t verify you and your device from a scammer. The bank has to contact the PNO. Apple can’t because the data that they have is anonymous and encrypted. The trick getting the issue escalated with your bank’s support team. Some banks refer Apple Pay issues to their IT department.

Why did the bank have your card blocked? What other devices did you add the card to?