iOS 26.3.1
We are currently seeing similar reports from users running iOS 26.3.1, where adding a card to Apple Pay may occur less often or fail during the setup process.
You can find other users trying workarounds in other communities, such as this Reddit thread.
iOS 26.1
Users running iOS 26.1 reported that adding a card to Apple Pay sometimes failed or prompted repeated verification attempts. Updating to a newer iOS version typically resolved the issue.
If you experience this issue:
Make sure your device is updated to the latest iOS version available.
Restart your iPhone and try adding the card again.
Remove the card from Apple Wallet and attempt the setup again.
Ensure you have a stable internet connection and the latest Wallet updates.
In many cases, Apple resolves Apple Pay compatibility issues through subsequent iOS updates. Keeping your device up to date can help prevent these problems.
Apple Risk Scoring
Apple Pay has a more stringent fraud risk scoring system than Google Pay. When attempting to add a card, Apple combines many data points into a single scoring recommendation.
Apple Pay reason codes
Apple Pay provides risk assessment as a part of the token provisioning process, so as to provide insight into the account, device, and cardholder when determining whether to include the provisioning attempt.
The following error codes are not reported back to Laso Finance, so unfortunately we cannot use them to debug your particular situation. They are simply listed here as a reference source.
Code | Description |
| Apple ID too new relative to launch. |
| Apple ID too new relative to provisioning request. |
| Apple ID/Card pair is newer than the date threshold. |
| Change made to account data within date threshold. |
| Suspicious transactions linked to this account. |
| The account has not had activity in the last year. |
| Suspended cards in the secure element. |
| The device was put in lost mode in the last 7 days for longer than the duration threshold. |
| The number of provisioning attempts on this device in 72 hours exceeds the threshold. |
| Higher number of different cards attempted to be provisioned to the device in 24 hours. |
| The provisioning request contains a distinct name in excess of the permitted threshold. |
| Device score is less than 3. |
| Account score is less than 4. |
| Device provisioning location outside of iTunes home country. |
| Model rules not available at this time. |
| Orange recommendation. |
| Phone number score is less than 3. |