Unfortunately, some users will encounter an error when adding their card to Apple Pay or Google Pay:
Apple Pay
Google Pay
It may be an error as listed above, or it may only allow you to add by calling the issuing bank, which will not work.
Follow these steps to troubleshoot adding your card:
1. Verify card name and billing address
Use cardholder name automatically pre-filled by the iOS Wallet app or Google Wallet app as the name on the card, along with a billing address within your country.
This setup works for most users and should always be your first attempt.
If the card is still not accepted, use "Laso Finance" as the billing name and use the following billing address:
440 N Barranca Ave #4496
Covina CA 91723
USA
Make sure to add this billing address on the card in your wallet app. For most countries, iOS won't request the billing address when you first add it. Go to the settings on that card inside the Wallet app, and add the billing address. It will absolutely improve the success rate.
If that's not working, try using the same billing address you personally use on your phone.
2. Check card-country compatibility
You can check our supported countries, and card compatibility in our article here:
3. Try using cellular data instead of wi-Fi
Turn off Wi-Fi and try adding the card while connected to cellular/mobile data. In some cases, the network or IP address associated with your Wi-Fi connection may contribute to the issue.
4. Ensure clear device location
Make sure that it's clear to Apple or Google that your device is in your specific location. They won't add the card if they can't be confident about your location. Complete these steps:
Turn off any VPNs or proxies.
Disconnect from any public or protected Wi-Fi networks.
You won't be able to add if you're connected to Wi-Fi on a plane.
5. Test on another device
If you've completed steps 1-3 and still have issues, your device may be marked as "high-risk" by Apple or Google. Both companies run a black-box algorithm to determine this. The factors that go into it are not known, but signals such as a new phone that's not signed in, or a phone on VPN, tend to trigger that rating.
Note that Apple and Google support agents aren't trained on that algorithm, so contacting them is very unlikely to bring results. They will likely not be aware it exists.
To verify if your device is marked as high-risk, try adding your card to another Apple Pay-enabled or Google Pay-enabled device. You can be logged in with the same Apple ID or Google account. The block is at the device-level, not ID level.
6. Reset phone’s region to the United States
Some devices in Europe and other regions may fail to add the card to Apple Wallet or Google Wallet, or payments may decline after adding the card. This can happen if the phone’s system Region or Locale is set to a non-US region.
Our International Non-Reloadable Cards are issued in the United States, and some devices require the phone to be configured to the US region for wallet provisioning to work reliably.
Steps to fix:
Open Settings → System → Languages & Input (Android) / Settings → General → Language & Region (iOS).
Set Region to United States.
Restart your device.
If the card still cannot be added, perform a factory reset and configure the phone region as United States during setup.
Re-add the card to Apple Wallet or Google Wallet.
Users have reported that this change allowed the card to be added successfully and enabled contactless payments that were previously failing.
Note: If your device region is set outside the United States, wallet apps may block US-issued cards during provisioning. Changing the region to the US resolves this for most customers.
7. Factory reset (last resort)
If all of the above steps fail, it is likely that Apple or Google have marked your device as high-risk. The only way to fully resolve that is to factory reset your device using the Erase All Content and Settings option, and restore from backup.
Please note that it must be a full Erase all Content and Settings to take effect. The Reset option is not sufficient.
This is an unfortunate last resort, but it has not failed us yet.
8. Trouble adding cards to Apple Pay after new iOS releases
Occasionally, after certain iOS updates we see a heightened number of declines on adding the cards to Apple Pay. In the past this has persisted for a number of weeks until it has been resolved through a subsequent iOS update. Unfortunately, in these instances there is little that we or you, the user, can do to resolve the issue as it appears across devices and even when you don't update to the latest version. There is little than can be done other than waiting until a new update is released and the high rate of declines subsides.
If you have an Android device available, it is highly recommended to try adding on that device until this is resolved.