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Apple Pay and Capital One Credit Cards not playing nice on new Macs.

Unable to add/verify card on a brand new Mac. In my case it still works on my mac studio m2 max where card was added 3 years ago, yet not possible on new mac studio m5 max. Both are running the latest Golden Gate MacOS. This was confirmed by Capital One support on 2026-10-27.


This is clearly not a technical issue, but a business decision by Capital One, Apple or both.



5 replies

C1 Support stated they no longer allow you to add their cards to new Macs. I spoke with 3 people and they all appeared to be reading from the same script re: Apple Pay and that there was nothing else they could do for me.


There is no error per say, just the following dead end:

  1. add a new card
  2. I then get the screen below
  3. Upon calling that number, a recording tell you to choose another (non-existent) validation option and hangs-up.



Hi, Capital One uses a custom verification and authentication process outside of the standard Apple Pay verification and authentication process that every other bank in the world is satisfied with. In my experience C1 made this an issue when one didn’t exist prior. What did C1 support say when you spoke with them? What is the exact error message you receive when card provisioning fails?

That’s a C1 decision and there’s nothing Apple will be able to do to assist. I’m sorry.

Understood and thanks!

You’re welcome!