Apple Pay - contact card issuer, yet no problems on record?!

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.

Another day and still no solution.

Mastercard and Visa will only disclose the reason for blocking you to your bank. Your bank has to disclose to you the reason(s).

The banks and the Payment Network Operators (Visa, Mastercard, American Express etc.) are required to positively identify you and authenticate your iPhone as belonging to you. The banks and PNO do not share with Apple why you’re being blocked. There isn’t anything they can do.

Apple shares certain information about your device and you with the PNOs. Apple shares SEID, device model number, serial number, phone number and information about your Apple Account (formerly Apple ID).

The PNOs, use that information to validate your credit card and forward the information to your bank. Your bank reviews the information and if approved, forwards information to Apple, who then adds the card to your Wallet app.

Nowhere in the process is personal information shared by PNO or your banks with Apple.

Im happy to answer any questions you may have.

I've been dealing with the same issue for the past 45 days. Apple says not there issue bank and Mastercard say the same thing. I can add cards to iPad, Macbook and Watch but not to iPhone. Verizon even gave me a new phone to see if that would help. But it's still doing the same thing. Contact Card Issuer is message I get. I am so annoyed with this.

Thank you for your reply but I have gone through the wringer daily for the past 45 days. PNO has told my bank there are no restrictions on there end. Therefore my bank says it’s an Apple issue. I am at my wits end. It’s starting to affect other apps on my phone. I tried to purchase gas at Sam’s Club via the Sam’s club app like i normally do. All have too do is scan the QR code on the pump and it charges card on file. (Mastercard) says card cannot be used with account. But I swipe actual card at pump. This is getting weirder by the day.

Have you asked the bank if they’re receiving data from Mastercard (PNO) and the bank is seeing you attempting to add the card? That information is essentially real time. The banks support team should be able to see Mastercards response.

The bank sends the Token Service Provider (TSP) the necessary data to create a token representing your payment card. The TSP creates the token, sends it to Apple servers. Apple installs it in the Secure Element on your iPhone and the Wallet app displays art work representing your card. You’re now ready to use Apple Pay.

If you follow this path, do you see a very long alpha numeric string or all 0, zeros?

iPhone > Settings > General > About > SEID

The tokens don’t belong to Apple. Apple has to get sent data to their servers to remove the tokens. In my experience in the past, the bank support staff removes them and the removal is sent to TSP or PNO and they forward to Apple. A small bank like yours does not do the tokenization themselves. They either have a third party service or PNO.

Bank support team needs to follow up with the TSP and get tokens removed.

thank you agin for your knowledge. Guess my bank and their support team are so clueless. they are so quickto put it on someone else. I will relay info you've provided but not sure if will get resolved since they are so adamant about it being an Apple issue.

Day 57 and still no resolution. Apple still says not there issue and the bank says they have exhausted all possibilities. And unfortunately there only solution is for me to wait until June 6 when they merge with a bigger bank and I am issued new cards under new bank. This is so not acceptable.

We can resolve this with the answer to one simple question. Who is the bank’s Token Service Provider? If they won’t tell you, the bank is the issue. Why can’t they tell you? If the bank says they are, that’s extremely unlikely. In the US only the very largest banks also act as Token Service Providers, Chase Bank, Bank of America and Citi Bank.

So, who is the banks Token Service Provider?

You’re welcome. In my experience, the bank is more likely to get somewhere with PNO than you. But if they refuse, then you won’t have any choice but to go to PNO.

Who’s the PNO and what banks?

Mastercard and village bank