User level: Level 1 (4 points)How do I add a credit card to apple pay if you do not have the card with you. My daughter is oversees and her phone broke, she got a new phone but it will not allow her to add the credit cards back because she does not physically have the cards.
Posted on Oct 12, 2026 6:40 AM
User level: Level 9 (64,078 points)Oct 12, 2026 8:27 AM in response to saner01
The provisioning of debit and credit cards for use with Apple Pay is done my the issuing bank and the Payment Network Operator (Visa, Mastercard, American Express etc.) and Apple does not actively participate in the process. Sorry.
For safety and security purposes the banks do not permit the information to be stored on the phone itself. Banks issue encrypted payment tokens that are stored in the Secure Element on the iPhone.
Card provisioning security overview - Apple Support
Adding credit or debit cards to Apple Pay - Apple Support
Originally posted at discussions.apple.com/thread/256374806