How to Fix Apple Pay Error Adding Card


The future is cashless and there is no doubt about it. Digital transactions are easier, faster and more secure than ever, and millions of users have already jumped on the bandwagon. Apple has its own digital wallet and a payment service called Apple Pay. The service is available on iPhone, Apple Watch, iPad and Mac in 24 countries around the world. All you need to do is add your credit or debit card details to Apple Pay and the service takes care of everything.

Unfortunately, adding a new card to Apple Pay may not always work, and users can get all kinds of errors in the process. In this guide, we’ll explore what could be causing these errors and how you can fix them.

Fixed: Cannot add card to Apple Pay

Check the compatibility of your device

Apple Pay is not compatible with all Apple devices available on the market. This could be one of the reasons why you get various errors while adding a new card to Apple Pay.

The following Apple devices are compatible with Apple Pay:

  • Apple Watch Series 1 and 2 and later.
  • IPhone models with Face ID and Touch ID, except iPhone 5S.
  • iPad Pro, iPad Air, iPad and iPad mini equipped with Touch ID or Face ID.
  • Mac computers with Touch ID.

Update your operating system

Make sure you are running the latest version of the operating system on your Apple devices. If you are using outdated iOS, iPadOS, watchOS, or macOS versions, Apple Pay may not work as expected.

IPadOS and iOS 13.3.1 software update
Check for new software updates on your iPhone.

In addition, the latest versions of the operating system bring significant improvements and security enhancements that are essential for securing digital payments. So update your device, restart it and try to add the card again.

Make sure your bank supports Apple Pay

Many big banks officially support Apple Pay, which means you can successfully link the cards they issued to your Apple Pay account. But not all banks in the world support the service. Additionally, some cards from participating banks may not work in Apple Pay.

You can contact your bank or card issuer for more information about your card and the digital payment services it is compatible with. They will notify you if the card is restricted. For more information on Apple Pay participating banks, go to Apple’s support page.

Check your region settings

Another reason you get an error message while adding your card to Apple Pay is that your device is set to the wrong region. Go to settings and update your region information to match your current location or the region of your card issuer. The steps to follow are pretty much the same no matter what device you are using. Move towards General, go to Language and region, then select Region.

General iOS settings for language and region on iPhone

Additionally, make sure you’re in a country that supports Apple Pay. For more information on the countries where you can use Apple Pay, visit Apple’s support page.

If you are using multiple Apple devices, make sure to set the same region on all of your devices. This also includes your Apple ID settings. Use the same region settings everywhere.

Disable password

Many users have worked around this problem by disabling the passcode. Go to Settings, select Touch ID and access code, and disable the password.

Disable password in iPhone settings
Your iPhone is much less secure with the password disabled.

Then go back to Apple Pay and try adding your card again. Your device will ask you to reactivate the password for security reasons. Follow the prompts and reactivate your password. The key is to reactivate your password via the prompts. Check if you can add your card now.

Remove card from iCloud billing

A number of users have addressed this issue by removing the problematic card from their iCloud billing methods. Do that, restart your device and check if you can then use the same card for Apple Pay.

Additional solutions

Below are additional troubleshooting solutions suggested by users. Hope some of them will work for you as well.

  • Make sure the address on the card matches the shipping address on your AppleID.
  • On your iPhone, go to Settings, select Wallet and Apple Pay then turn on Authorize payments on Mac. Don’t forget to enable Touch ID on your Mac as well.
  • Signing out of Apple ID and then signing back in several times in a row has actually worked for some users.
  • Get a new card. Some users have solved this problem by obtaining a replacement card.


If you can’t add a card to Apple Pay, make sure you’re using a compatible device and update the operating system. A number of users have resolved this issue by disabling the passcode. If nothing works, follow the error message and contact your bank or card issuer for assistance.

How often do you get Apple Pay errors? Are there any recurring mistakes that you keep getting no matter what you do? Tell us about your experience in the comments below.


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