Apple Wallet seemingly suspended

Your bank has misinformed you. Apple cannot suspend your use of Apple Wallet or Apple Pay.

Apple is not a bank. It cannot approve or decline your cards for adding to Apple Wallet or Apple Pay. Only the issuing bank and the Payment Network Operator can verify and approve adding your cards to Apple Wallet.

Your iPhone may share information about you, your device and how you use the iPhone on a daily basis. Banks may use this information in determining your eligibility for using their cards with Apple Wallet and Apple Pay. This information may include the following,

“Information may also be provided by Apple to those entities to enable Apple Pay, determine card eligibility, set up your card with Apple Pay, and to prevent fraud, including:

• Your credit, debit, or prepaid card number
• The name and billing address associated with your Apple Account
• General information about your Apple Account activity (for example, whether you have a long history of transactions within iTunes)
• Information about your device and, if using Apple Watch, the paired iOS device (for example, a device identifier, phone number, and the name and model, for both your Apple Watch and paired iOS device)
• Location at the time you add your card (if you have Location Services enabled)
• Account or device history of adding payment cards
• Aggregated stats relating to the information from payment cards you’ve added or attempted to add to Apple Pay

Legal - Apple Pay & Privacy- Apple

Your iPhone sends that information, if available, to the PNO (Mastercard, Visa, American Express etc.). If the PNO verifies and approves adding the card, information is forwarded to the bank. If the bank approves, they send necessary card details to a Token Service Provider (TSP). TSP creates a dynamic token with a cryptogram and sends to Apple and Apple then adds the card to the Secure Element on your iPhone. Information sent to the PNO and your banks are not shared in anyway with Apple.

You just have to find someone at the bank willing to work with. It is probably the PNO that’s blowing the card. The issue is they have no way to positively identify you, so they send you to the bank. The bank is the only one that can positively identify you.

The way it should work is you call the bank, they contact PNO and resolve issues and let you try again in a few days. The bank is essentially a customer of the PNO. You’re not a customer of PNO, you’re a customer of bank.

Who’s the bank and who’s the PNO. Have you had any fraud alerts on any cards in last 12 months?

If you look at the last item in my list,

• Aggregated stats relating to the information from payment cards you’ve added or attempted to add to Apple Pay

Once one card fails, they’ll all fail you, because they see the past aggregated results.