Hi, your testing provides useful evidence that the problem is associated with your original Apple Account or with how provisioning requests involving that account are assessed. However, it does not mean that there is a particular “red” flag that Apple Support can simply remove.
Apple’s role is not limited to forwarding the card number. Apple documents that it provides account and device related information for eligibility and fraud prevention, including the account or device’s history of adding payment cards. The card issuer or its authorized service provider uses information supplied during provisioning to determine whether to approve the card.
- “When you add a card to Apple Pay, card-related information, location, and information about device settings and use patterns may be sent to Apple to determine eligibility.
- Some of the above information, account-related information, and paired-device details may be shared with your card issuer or bank to determine eligibility and for anti-fraud purposes.”
Legal - Apple Pay & Privacy- Apple
There is also a separate Apple security restriction to consider. Apple now documents that unusual Apple Pay activity associated with an Apple Account or device can prevent new payment cards from being added even though existing cards continue to work. For that situation, Apple provides an on device review process, not a telephone request to remove a flag.
This document released a month ago goes over the new procedure. Two important details need to be highlighted. One, the review is only available for devices using iOS 27 or higher. The second is not all accounts or devices may be eligible for review. If a card is declined provisioning and the device and Apple Account are eligible for review, a link will appear that will start the process when the user taps it. Additional information and step by step instructions are in the Apple Support article I linked to below.,
If you can't add cards to Apple Wallet because of security reasons - Apple Support
User level: Level 1 (4 points)
