cant add card to apple pay on iphone ipad
cant add card to apple pay on iphone ipad

cant add card to apple pay on iphone ipad

Before jumping into the details, let’s quickly address the issue at hand: if you’re facing difficulties adding a card to Apple Pay on your iPhone or iPad, know that you’re not alone. Many users have encountered this problem, and there are several potential reasons and solutions to explore. In this extensive guide, we’ll delve into the common causes and provide step-by-step instructions to resolve the issue.

Section 1: Understanding the Problem

Why Can’t I Add My Card to Apple Pay?

Unable to add your card to Apple Pay on your iPhone or iPad can be frustrating, but understanding the underlying causes can help you find the right solution. Here are some common reasons why you may encounter this problem:

  • Incorrect card details: Ensure that you have entered the correct card number, expiration date, and security code. Any errors in these details can prevent Apple Pay from adding your card.
  • Unsupported card issuer: Not all card issuers are compatible with Apple Pay. Check if your bank or credit union supports Apple Pay and ensure that your card is eligible.
  • Outdated software: An outdated iOS version or Apple Pay app can cause compatibility issues. Make sure your iPhone or iPad is running the latest software updates.
  • Region restrictions: Apple Pay may not be available in all regions. If you’re trying to add a card from a region where Apple Pay is not supported, you may encounter this issue.
  • Device limitations: Some older iPhone or iPad models may not support Apple Pay. Check if your device is compatible with Apple Pay before attempting to add a card.

Troubleshooting Tips

Before diving into more complex solutions, try these simple troubleshooting steps:

  • Restart your iPhone or iPad: A simple restart can often resolve temporary glitches that may be preventing you from adding your card to Apple Pay.
  • Check your internet connection: Ensure that your iPhone or iPad has a stable internet connection, as Apple Pay requires an active internet connection to process card additions.
  • Remove and re-add your card: Delete the card from Apple Pay and try adding it again. This can help resolve any temporary issues or incorrect card details.

Section 2: Technical Solutions

Updating iOS and Apple Pay

As mentioned earlier, an outdated iOS version or Apple Pay app can cause compatibility issues with adding cards. Follow these steps to update your software:

  • Update iOS: Go to Settings > General > Software Update. If an update is available, follow the on-screen instructions to install it.
  • Update Apple Pay: Open the App Store on your iPhone or iPad, tap on your profile icon in the top-right corner, and scroll down to check for updates for the Apple Pay app.

Contacting Your Bank or Credit Union

If you have ruled out technical issues, the problem may lie with your bank or credit union. Here’s what you can do:

  • Contact customer support: Call or chat with your bank or credit union’s customer support team. Explain that you’re unable to add your card to Apple Pay and provide them with the details of the card.
  • Confirm Apple Pay eligibility: Inquire if your card is eligible for Apple Pay and if there are any restrictions or requirements that you need to meet.
  • Check for blocked transactions: Some banks may block certain types of transactions for security reasons. Verify with your bank if any temporary blocks are in place for adding cards to Apple Pay.

Section 3: Advanced Troubleshooting

Resetting Network Settings

If you’ve tried all the above solutions and are still facing issues, resetting your network settings can sometimes resolve connectivity problems that may be hindering Apple Pay. Note that this will erase all your stored Wi-Fi passwords and other network configurations, so proceed with caution.

  • Go to Settings > General > Transfer or Reset iPhone/iPad > Reset > Reset Network Settings.

Restoring Your iPhone or iPad

As a last resort, you may consider restoring your iPhone or iPad to its factory settings. This will erase all data and settings from your device, so make sure to back up your important data before proceeding.

  • Go to Settings > General > Transfer or Reset iPhone/iPad > Erase All Content and Settings.

Troubleshooting Table: Common Issues and Solutions

Issue Possible Cause Solution
Invalid card details Entered incorrect card number, expiration date, or security code Double-check the accuracy of the card details.
Unsupported card issuer Bank or credit union does not support Apple Pay Contact your bank or credit union to confirm eligibility.
Outdated software iOS version or Apple Pay app is outdated Update iOS and the Apple Pay app.
Region restrictions Apple Pay not available in current region Check if Apple Pay is supported in your region.
Device limitations Device not compatible with Apple Pay Check if your device supports Apple Pay.
Incorrect transaction type Transaction blocked for security reasons Contact your bank or credit union to remove any temporary blocks.


Adding a card to Apple Pay on your iPhone or iPad should be a straightforward process, but occasionally, you may encounter difficulties. This comprehensive guide has covered various reasons why you may be unable to add your card, along with detailed troubleshooting steps to resolve the issue. By following the instructions and exploring the potential causes outlined in this article, you can get your card added to Apple Pay and start enjoying the convenience of contactless payments.

FAQ about “Can’t Add Card to Apple Pay on iPhone/iPad”

Q1: Why can’t I add my card to Apple Pay?

  • A1: Check if your device and payment card are compatible with Apple Pay. Ensure your device is running iOS 12 or later, and your card is issued by a bank that participates in Apple Pay.

Q2: My bank says my card is eligible, but it’s still not working.

  • A2: Contact your bank to ensure your card is activated and eligible for Apple Pay. There may be additional steps or requirements needed from the bank.

Q3: I’m getting an error message “This card cannot be added to Apple Pay”.

  • A3: This error can occur for various reasons. Check if your card is eligible, there are no restrictions on your account, and your device software is up to date.

Q4: How can I update my device software?

  • A4: Go to Settings > General > Software Update and follow the on-screen instructions.

Q5: My device is up to date, but I still can’t add my card.

  • A5: Contact Apple Support or your bank’s customer service for further assistance. They can diagnose the issue and provide a solution.

Q6: Can I add a prepaid card to Apple Pay?

  • A6: Yes, some prepaid cards are supported by Apple Pay. Check with your card issuer to confirm eligibility.

Q7: Can I add cards from other countries to Apple Pay?

  • A7: It depends on your bank and the country where your device is registered. Contact your bank for availability.

Q8: How do I know if my device is compatible with Apple Pay?

  • A8: Check the following specifications:

    • For iPhones: iPhone 6 or later
    • For iPads: iPad Air 2 or later, iPad mini 3 or later
    • For Apple Watches: Apple Watch Series 1 or later

Q9: Is it safe to add my card to Apple Pay?

  • A9: Yes, Apple Pay uses advanced encryption and security measures to protect your financial information.

Q10: Can I add multiple cards to Apple Pay?

  • A10: Yes, you can add up to 12 cards to Apple Pay on each device.