How to fix an Apple Pay setup crash and why the card isn't being added to Apple Wallet

[CarderPlanet]

Sometimes errors occur when adding a bank card to the Apple Pay app. The system may reject linking for several reasons. For example, the user entered their banking details incorrectly. It happens that adding a card to the Apple Pay wallet fails at the software level.

Content

1. How to add a bank card to Apple Wallet
2. Why is the card not being added to Apple Pay?
3. Failure to add an Apple Pay card – contact the card issuer
4. Issues with iOS where you can't add a card to Apple Pay
5. Outdated version of the operating system
6. Invalid region
7. The card is not supported by the bank
8. Age
9. Other issues
10. Crashes and malfunctions in iOS as a reason for Apple Pay's failure
11. How to prepare your gadget for Apple Pay installation
12. Apple Pay connection failed
13. Make sure you have an internet connection
14. Apple Pay payments are temporarily unavailable
15. Missing or broken NFC antenna
16. Other issues
17. External factors that prevent payment using the iPhone

How to add a bank card to Apple Wallet​

To understand why the error occurred, first you need to consider the order in which the map was added. It is possible that an incorrect action was taken at some stage. This eventually led to the fact that the plastic can not be tied.

How to link a bank card in Apple Wallet:

1. Open the program on your smartphone.
2. Click on the plus sign icon. It is located at the top right.
3. Select "Next".
4. Enter the payment details of the card. We manually enter the card number and expiration date, first and last name, and CVC code. Or use the camera on your iPhone to scan the plastic. This way, the data will be collected manually by the system. This will significantly speed up the process.
5. We read the user agreement and accept this document. Otherwise, you won't be able to use the payment app.
6. Passing identification. Your phone will receive an SMS with a short code. Enter it in the appropriate line.
7. Click on the "Done" button. The card is now linked.

Hitches usually occur on the second point. Users don't have an " Add " button or a plus sign. This means that the iPhone can't connect the payment method. This problem is relevant for devices older than iPhone 5SE and iPhone 6. These versions do not have a built-in NFC module for contactless payment.

Why is the card not being added to Apple Pay?​

A bank card may not be added to your Apple Pay wallet for various reasons. Depending on the type of error, you can determine ways to solve the problem.

Failure to add an Apple Pay card – contact the card issuer​

This is the most common error encountered by users. In this case, you need to contact the issuer that issued the card.

Most likely, one of the following restrictions applies:

• A bank institution or issued card does not work with Apple Pay. Plastic cannot be physically attached to the payment program. You can find out about this restriction in the bank. For example, by calling the hotline.
• The card is invalid. Your bank details were entered incorrectly. Either the plastic card has expired. Another possible option is that the card was previously blocked.
• The number of authorizations is limited. Some banking organizations set limits for linking cards to Apple Pay. This measure is necessary for data security. For example, you can link a card in the Apple app no more than 3 times a month. The following requests are automatically rejected by the system. You need to wait until the deadline ends and the counter resets. After that, you can try adding a map. The second option is to go to the bank for advice and try to remove the restriction there.
• There is no mobile banking installed on your smartphone. There are banks that do not allow you to pass confirmation in your wallet in the absence of such applications. The only option is to install this program.

Issues with iOS where you can't add a card to Apple Pay​

This error occurs at the software level. The iOS operating system may not allow you to link your card to Apple Pay.
How to solve the failure of adding a card in the Apple Pay wallet:

1. Try restarting your smartphone. Sometimes it helps to get rid of errors during the configuration process.
2. Update the firmware.
3. Make sure that there is no "Jailbreak" process on your phone. Apple restricts the functionality of a smartphone that has such software.
4. Contact Apple technical support. They will remotely check your smartphone for possible errors.
5. Check your account. You may not be logged in. In this case, the system will not allow you to attach the card.

On iOS devices, there are other issues that interfere with linking the map.

Outdated version of the operating system​

The payment service will not be supported on older versions of the operating system.

Name of the operating system	Minimum allowed version
iOS	10.1
WatchOS	3.0
MacBook	10.12

If you have a lower version installed, then you need to update it. This requires:

1. Go to settings.
2. Go to the "General" section.
3. Select "Software Update".
4. Update your mobile device.

Is there Apple Pay on the Apple Watch? Yes, you need to pair it with your iPhone. Open the Watch program in your smartwatch. Go to the "Wallet and Apple Pay" section. Next, you will see a list of added bank cards on your iPhone. To link a new plastic, click "Add" and follow the instructions.

Invalid region​

The region in the settings must match the country where the map was issued. Otherwise, you won't be able to add plastic to your Apple Pay wallet.

How to check the device region on iPhone:

1. Open settings.
2. Go to the "General" menu.
3. Go to the "Language and region" section.
4. Make sure that your country is listed next to the "Region" tab. If a different state is specified there, we change it.

The card is not supported by the bank​

The Apple Pay e-wallet does not support all plastic cards.

You can mostly add cards from major banks:

• Sberbank;
• VTB Bank;
• Tinkoff;
• Raiffeisenbank;
• MTS;
• Russian Standard;
• Gazprombank;
• Bank of Moscow;
• Discovery;
• Alfa Bank, etc.

The full list of banks can be found on the payment app's website.

Important! You can link cards that have the PayPass or payWave tag on them.

Age​

People under the age of 18 will not be able to make transfers via Apple Pay. This includes linking a bank card for contactless payment.

Other issues​

The card may not be added to Apple Pay for two other reasons:

• There is a crash on the Apple server. This problem is temporary. You don't have to do anything yourself. Just try reattaching the plastic to your wallet after a short time.
• The device was repaired. An unscrupulous repair company may have removed important modules. As a result, this led to the inability to use Apple Pay normally.

Read also what is currently relevant on the iPhone in Apple Wallet during the sanctions.

Crashes and malfunctions in iOS as a reason for Apple Pay's failure​

Sometimes the payment app just doesn't work. The home screen is not displayed or the functions for paying with the device are not available.

To solve the problem, you need:

1. Restart your phone.
2. Manually reset the settings. Go to the "Reset/Reset Network Settings" section.
3. Launch the payment app.
4. Delete the plastic data and add it again.

If these actions did not help, then you need to reflash the smartphone. In this case, it is better to contact specialists.

How to prepare your gadget for Apple Pay installation​

Preparation consists of several stages:

• Checking whether Apple Pay can work on your smartphone. Your mobile device must have Touch ID and Face ID. Contactless payment is not possible without these features.
• Checking whether the card can be linked to the wallet. You can find a list of banks that the app works with on the Apple Pay website. It is also important to find out if Plastic supports working with an electronic wallet. For example, you can't add Momentum cards from Sberbank.
• Updating the operating system. It is better to update to the latest version immediately. You can do this in the smartphone settings in the "Update" section.

If you have previously reinstalled the OS, we recommend resetting the device to factory settings. Before doing this, transfer all your important files and documents to the memory card. After starting the process, they will be deleted.

Apple Pay connection failed​

This error may occur when configuring the card in Apple Pay. Before you can figure out what to do, you need to understand the error itself.

There are 2 possible options here:

• no internet connection;
• in-app payments are temporarily unavailable.

In each case, the problem is solved in its own way.

Make sure you have an internet connection​

Immediately check whether mobile communication or Wi-Fi is enabled. Open your mobile browser and try visiting any page. It should be fully loaded.

If the page didn't open, then there are problems with the Internet:

• internet traffic ended;
• connection problem on the provider's side.

In the latter case, call the provider and find out the reason for the lack of Internet.

Apple Pay payments are temporarily unavailable​

Why don't transactions work in the payment app?:

• There is a beta version of the software. Install the standard iOS version and try to configure the wallet again.
• The problem is in the software itself. You need to contact Apple support.
• Problems on the bank's side. The issued card may not be suitable for your wallet. To make sure of this, try linking the Yandex.Money account of another bank. If it is successfully added, then you need to deal with the bank.

Missing or broken NFC antenna​

The built-in NFC module is responsible for contactless payment on the iPhone. If it doesn't exist or is broken, you won't be able to make a payment using this method.

Only a service center can diagnose a chip failure. You should not disassemble the device yourself. There is a risk of damaging other important elements.

Other issues​

What other errors do users encounter?:

• Network settings are broken. For example, after replacing the SIM card. Go to the "Cellular Data" section and check the APN. The address of your mobile operator must be specified there. The username and password fields remain empty.
• Incorrect iPhone settings are set. In this case, resetting to factory settings helps.

External factors that prevent payment using the iPhone​

Sometimes payment problems are caused by external factors. They rarely happen and are more random in nature.

• Case. It can block the radio signal. Then the payment will not be made. This problem is especially relevant for cases from China. Some models have a tight overlay in the place where the NFC module is installed. Try removing the cover and making the payment again.
• Payment terminal. If the device has lost contact with the bank, it will not complete the transaction. We'll have to wait until the connection is restored.
• Dirt inside the smartphone. If it is present on the NFC module, it may affect its operation. Remove the cover and clean the device. But do it carefully, so as not to damage other modules. If you don't have any knowledge or experience in cleaning smartphones, then contact our specialists. This service is inexpensive – up to 1000 rubles.

If you can't solve the problem with adding your card to Apple Pay, then go to the service center. You may need a major repair of your mobile device.

If you still have any questions about the Apple Pay crash, ask them in the comments and our expert will definitely answer you.