Issue with Wallet on iPhone 18 Pro Max

Please ask the Chase support team to escalate the issue to their Apple Wallet or Apple Pay team. Tier one support generally isn’t trained to handle these issue. It’s a bank issue, unless you’re using a VPN. Banks can detect their use and generally won’t provision a card when the device is using a VPN.

Data is encrypted on your device, flows through Apple servers to the Payment Network Operator (Visa, MasterCard. American Express etc.), then to the bank for final approval and tokenization of your account. The bank or bank’s token service provider sends the token through the servers and the session is closed and your device stores the token in the Secure Element.

‘’What is a foreign card? What country are you currently in? Are you using a VPN? Are you receiving the terms and conditions and agreeing to them?

Are you traveling? Your iPhone reports your iPhone’s location when provisioning a card. What region is your iPhone set for? What is a foreign card?

Each bank uses their own algorithm to detect potential fraudulent activity. Some banks will look at the region your iPhone is using, the actual iPhone’s location, and your mailing address and if there is a mismatch, they decline provisioning because of fraud risk. If you turn off Location Services or use a VPN, the bank will decline your account. If you’re receiving the terms and conditions the PNO is approving the account and your bank is blocking your cards.

I doubt you talked to someone on Chase Bank’s Apple Wallet or Apple Pay team. They would have never said it’s an Apple issue.

‘Here is what Apple says about what you’re experiencing.

Apple says it may send your card issuer, payment network, or issuer authorized service provider identifying information about your iPhone and Apple Account, along with account activity and fraud prevention information. The most extensive disclosed sharing occurs during provisioning. When you add a card to Wallet, not simply each time you tap to pay. Apple’s disclosure says “may,” so it does not establish that every recipient receives every field for every card.

Specifically what Apple may share when you add a card, Apple’s Apple Pay & Privacy notice identifies the following categories. 

Apple Account identity, the name and billing address associated with your Apple Account. Apple Account activity, general information about your account activity, for example, whether you have a long history of transactions within iTunes. iPhone information, device identifier, phone number, and the device’s name and model. Apple Watch and paired iPhone, when provisioning a Watch, identifiers, phone numbers, names, and models for both the Watch and its paired iPhone. Location, your location when you add the card, if Location Services is enabled. Card provisioning history, your account’s and/or device’s history of adding payment cards. Aggregated card related statistics, aggregated statistics relating to information from cards you have added or attempted to add to Apple Pay. Card information, your credit, debit, or prepaid card number.

Legal - Apple Pay & Privacy- Apple

Apple says the purposes are to determine card eligibility, enable Apple Pay, set up the card, and prevent fraud. Its platform security documentation explains that the issuer or its authorized service provider, usually the payment network, uses the information to decide whether to approve adding the card. 

What Apple does not specify publicly about fraud prevention and your information. The list is specific in some respects, but it is not a complete field level specification. In particular the following is not specifically mentioned.  “General information” about Apple Account activity is not described as an itemized purchase history. The precise contents of the card related “aggregated stats” are not detailed. The disclosure does not explain exactly which fields go to the network versus the issuer in an individual provisioning attempt.

Consequently, it would be inaccurate to turn this disclosure into a claim that Apple routinely sends your IMEI, Apple Account login email, complete App Store purchase history, or a list of all your other card numbers. Those are not identified as such in the published provisioning list. Equally, the list is introduced with “including,” so it should not be treated as an exhaustive technical description or list. 

Apple also describes evaluating device use patterns, such as, the percentage of time the device is in motion, the approximate number of calls per week, whether certain device settings are enabled.

Apple Pay security and privacy overview - Apple Support

Why do movement and call frequency matter? A plausible purpose is to help distinguish a routinely used personal phone from a device used primarily to attempt fraudulent card enrollment. Movement and call frequency can provide indicators of ordinary device use without requiring the content of calls.

However, that is my interpretation of why those signals could be useful, not a published description of Apple’s detection rules. Apple does not say that a stationary phone, a low call count, or any other single characteristic makes a device suspicious. Its notice only identifies these as examples of patterns evaluated to help identify fraud. This is Apple’s key statement. 

“The information evaluated by your device is not shared with Apple in a way that can be linked to you.”

Without going into extensive detail, that won’t benefit you or others in similar situations, Apple is not in a position to review you information and change the data your bank and payment network use to evaluate fraud risk. The information is anonymous to Apple. They have no way to review the way information. A person on Chase Bank’s Apple Wallet team or Apple Pay team knows all the above and much more. You’re not talking to the right people. Sorry.

I’m happy to try and answer any additional questions. 

Right now in Ecuador, I'm not using a VPN, I do receive the terms and conditions, at first the cards (foreign or US) were added, but then I could not "verify" the card (the last step), it asked me to contact by phone the bank issuer, and I did, all the banks (chase and 2 foreign banks) told me the card was "active", and ready to use with Apple Pay, I even received the confirmation email from the bank... but I could not use the wallet app because it said "pending verification"

After that, I deleted the cards, and try again to add them, and that was when the main issue started, now once the "terms and conditions" are accepted, an error message appears saying "could not add the card, contact the bank issuer"

Already did, the tricky part is that the same card can by added in my iPhone 17 pro wallet with no issue.

And I have other 2 foreign cards that I have been using in my iPhone 17 pro, that have the same issue in the 18 Pro Max, that’s why it seems that there’s something wrong with the iPhone 18 pro max.

A foreign card is a credit card from other country…

And I don’t think the information you are telling is accurate, because it it would be like that… then I could not add in any device the cards I’m having issues with. As I said, I already add them in my iPhone 17 pro… why did the “bank” approve it there and not in the 18 pro max?.

And also, the banks (chase, etc) already told me “there is no problem with your card, we have it approved, it’s an apple issue”