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
Check that the entered name on the card is "Laso Finance" and that it matches the billing address for the card. Usually, it's the following:
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
Verify that the card you're using matches the country you're in. If you are:
In the United States: all Laso cards should work.
In Canada: only Canadian non-reloadable (NR) and international NR and reloadable Laso cards should work.
In any other country: only the International Reloadable and International Non-Reloadable cards should work.
3. 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.
4. 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.
5. Try Alternative Card Settings
For some International Reloadable users, they have found success by changing the name on the card to their own name, and using a billing address within their country.
6. Fix: 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 resolve that is to factory reset your device and restore from backup. This is a last resort, but it has not failed us yet.