Odd Apple Pay 'Card not added' registration problem

josh81

macrumors newbie
Original poster
Oct 5, 2015
3
0
Manchester
I previously had Apple Pay under Watch OS1, and upgraded my watch to the beta versions of OS2 where I lost Apple Pay support for my first direct (part of HSBC) Visa debit and credit cards.

I upgraded my watch to the consumer release of OS2 and have upgraded my iPhone 5S to the consumer release of iOS 9.0.2, and every time I try and add a card and accept the Ts&Cs of my bank it then fails out, saying 'Card not added. Contact card issuer for more information.' with two options: 'Add a card later' or 'Try again' (screenshot below).

I've spoken to my bank and they say that they're not getting any of the requests through to add the card, and there's no problems that should prevent me from adding a card to Apple Pay. They say that the problem is that the requests are not coming through from Apple to add the card.

I've spoken to Apple, and they have escalated the problem to their engineers, but they have just been waiting for an update for a while now.

I've tried:
  • checking that my name/address/phone number is correct in iTunes
  • turning off location services (in case it was a location issue)
  • registering over wifi or cellular
  • entering card details manually rather than using the camera
  • waiting 48 hours between registration attempts
  • unpairing and repairing the watch and iPhone
  • restoring the iPhone and watch to factory settings, and setting up as brand new phone and watch
I've also tried registering a Mastercard from another bank that supports Apple Pay (M&S Bank, also part of HSBC) and I get the same problem with that one. Again, they say they're not getting a request through from Apple to add the card.

Has anyone else had this problem, or have any suggestions as to how to get the requests to get through to the card issuer?

Thanks in advance.

error.png
 
Last edited:

craigo14

macrumors member
Oct 2, 2014
50
1
Yes I am getting the same problem with a visa debit. I contacted bank and was told no problem at that end and passed onto apple. Apple cannot find a problem and passed me back to the bank. Frustrating!
 

deany

macrumors 68030
Sep 16, 2012
2,873
2,088
North Wales
I previously had Apple Pay under Watch OS1, and upgraded my watch to the beta versions of OS2 where I lost Apple Pay support for my first direct (part of HSBC) Visa debit and credit cards.

I upgraded my watch to the consumer release of OS2 and have upgraded my iPhone 5S to the consumer release of iOS 9.0.2, and every time I try and add a card and accept the Ts&Cs of my bank it then fails out, saying 'Card not added. Contact card issuer for more information.' with two options: 'Add a card later' or 'Try again' (screenshot below).

I've spoken to my bank and they say that they're not getting any of the requests through to add the card, and there's no problems that should prevent me from adding a card to Apple Pay. They say that the problem is that the requests are not coming through from Apple to add the card.

I've spoken to Apple, and they have escalated the problem to their engineers, but they have just been waiting for an update for a while now.

I've tried:
  • checking that my name/address/phone number is correct in iTunes
  • turning off location services (in case it was a location issue)
  • registering over wifi or cellular
  • entering card details manually rather than using the camera
  • waiting 48 hours between registration attempts
  • unpairing and repairing the watch and iPhone
  • restoring the iPhone and watch to factory settings, and setting up as brand new phone and watch
I've also tried registering a Mastercard from another bank that supports Apple Pay (M&S Bank, also part of HSBC) and I get the same problem with that one. Again, they say they're not getting a request through from Apple to add the card.

Has anyone else had this problem, or have any suggestions as to how to get the requests to get through to the card issuer?

Thanks in advance.

View attachment 590098
just to confirm you have tried 'Remove card' and then re-adding (I'm sure you have)

I had a lot of problems adding and re-adding I ended up with eight letters from my bank 'welcome to apple pay'!- Lloyds

all okay now.
 

craigo14

macrumors member
Oct 2, 2014
50
1
So you solved it by removing and adding again? My issue hasn't been solved yet. Strange thing is, the card adds to my iphone ok but not my watch
 

deany

macrumors 68030
Sep 16, 2012
2,873
2,088
North Wales
So you solved it by removing and adding again? My issue hasn't been solved yet. Strange thing is, the card adds to my iphone ok but not my watch
I did have problems similar to what you are having.

I seem to remember removing & then re-adding to iPhone and then to apple watch but it was late & I was tired & fed up, but it worked in the end.

Try removing cards & re-adding cards.

hope that helps
 

josh81

macrumors newbie
Original poster
Oct 5, 2015
3
0
Manchester
I did have problems similar to what you are having.

I seem to remember removing & then re-adding to iPhone and then to apple watch but it was late & I was tired & fed up, but it worked in the end.

Try removing cards & re-adding cards.

hope that helps
There are no cards to remove, unfortunately. When I upgraded my watch and phone (foolishly) to a beta version of watchOS2 and iOS9, the cards were automatically deleted from my wallet. I'm using a 5S, so it's all done through the Watch App rather than through Wallet on my iPhone. However, my bank confirmed that they were correctly removed when this happened. I've just never been able to add cards since then, and I am now on the consumer versions of both OS.

I've had a reply from Apple that says it has been denied by the Payment Network Operator (in this case Visa) rather than Apple or my bank, and that when you register for Apple Pay, it needs to be authorised by all three parties - Apple, the PNO, and your bank. Unfortunately, there's no way for consumers to contact Visa to enquire as to why they are declining the request as they just refer you back to your bank, and the bank are refusing to escalate it internally.

The bank did say that they have had some success with users being able to overcome this by getting the device swapped out, but it seems like an extreme solution, and I don't see the logic unless the NFC in the watch is in some way at fault.
 

deany

macrumors 68030
Sep 16, 2012
2,873
2,088
North Wales
There are no cards to remove, unfortunately. When I upgraded my watch and phone (foolishly) to a beta version of watchOS2 and iOS9, the cards were automatically deleted from my wallet. I'm using a 5S, so it's all done through the Watch App rather than through Wallet on my iPhone. However, my bank confirmed that they were correctly removed when this happened. I've just never been able to add cards since then, and I am now on the consumer versions of both OS.

I've had a reply from Apple that says it has been denied by the Payment Network Operator (in this case Visa) rather than Apple or my bank, and that when you register for Apple Pay, it needs to be authorised by all three parties - Apple, the PNO, and your bank. Unfortunately, there's no way for consumers to contact Visa to enquire as to why they are declining the request as they just refer you back to your bank, and the bank are refusing to escalate it internally.

The bank did say that they have had some success with users being able to overcome this by getting the device swapped out, but it seems like an extreme solution, and I don't see the logic unless the NFC in the watch is in some way at fault.
if you go to www.icloud.com
click 'settings'

is there an apple pay 'logo' against your iphone or apple watch?

if so under Apple Pay click 'Remove all'

cheers
 

Mr.C

macrumors 601
Apr 3, 2011
4,500
603
London, UK.
There is more discussion here regards issues with both HSBC credit and debit cards.

https://forums.macrumors.com/threads/does-your-hsbc-credit-card-work-in-apple-pay.1907506/

It's an issue several people are having and for some it's on going. I had a problem provisioning my HSBC Visa debit card to my watch even though I was successful in doing so on my phone. That was with watch OS 1.0 and 1.0.1. When I upgraded to iOS 9 on my phone and watch OS2 on my watch I also had to provision all my cards again on both devices like everyone else. I tried my HSBC Visa debit card and strangely enough it worked and provisioned on my watch. It was really annoying as I had all three of my cards on my phone and only two on my watch and the one not provisioning on my watch was the main one I use for day to day purchases. It's all good now though for me.
 
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