Unable to add replacement credit/debit cards to Apple Wallet

This is easy to explain, but much less easy to get your banks to follow through. The issue is the recent stolen cards. The PNO (Visa, Mastercard, AmEx etc) have flagged your accounts with fraud alerts. The banks may have removed their alerts, but the PNOs have not.

The individual banks will need to contact the respective PNO for each card and have the fraud alert lifted. The bank’s fraud department, Apple Pay department or IT department can open a support ticket with the PNO to remove their fraud flags and authorize the new accounts for Apple Pay.

Bank tier 1 and tier 2 support rarely know what to do. They refer you to the PNO which instantly send you back to the bank, as you know. The PNOs have no way of verifying your identity and don’t know if you’re you or the fraudsters. The banks must open a support ticket.

What exactly is the issue? What. error message are you getting? Generally, your card details are updated automatically.

You’re welcome. I hope things go well, but if not, please let me know.