Why is adding the second card to Apple Pay more difficult than first?

[melburstein]

After adding my credit and debit cards to my iPhone, I added the same cards to my Apple Watch. Adding the first card to the Apple Watch was a snap but adding the second and subsequent cards required more steps. Am I the only one to notice this?

 

[dictoresno]

Mine didn't require anything more than the first one did. Maybe it's a different requirement for your bank?

 

[ivandr]

Mine didn't require anything more than the first one did. Maybe it's a different requirement for your bank?

Yup, different banks have different methods to add cards to Apple Pay... some have more verification steps than others.

 

[bruinsrme]

Some of my cards required a phone call to obtain a verfication code while others didn't.
I was surprised to see a limit of 8.

 

[ivandr]

Some of my cards required a phone call to obtain a verfication code while others didn't.
I was surprised to see a limit of 8.

Yup, I've had to verify some over the phone too.

8 card limit? I had no idea... I don't have 8 different cards that I would generally spend from on a day-to-day basis so I may have never noticed. I wonder if that is an Apple chosen limit or an industry standard/requirement from the CC processor/issuer side?

 

[JayLenochiniMac]

Different issuers have different verification requirements. It has nothing to do with it being the second card added to Apple Pay.