How to Verify Card for Apple Pay


When you sign up to use Apple Pay, you need to complete multiple verification processes within the app.

All this additional information helps the company to offer safe and secure services for payments processed through Apple Pay.

Therefore, whether you get an Apple Card or a classic debit or credit card, you need to verify it before being able to use all the features offered by Apple.

Today, we will talk about:

  • How to verify card for Apple Pay;
  • What to know before you add an old or new card to the Wallet Apple Pay app;
  • How does Apple Pay service work?

How to Verify Card for Apple Pay

Apple Pay works with Apple Watches, iPad models, iPhone devices and several Mac models as well.

If you have an existing card that you want to use with Apple Pay, whether we talk about an old or new card, you need to set it up with your device in order to process each purchase you need.

Step 1: Set Up Apple Pay

First and foremost, you need to set up Apple Pay on your iPad, iPod, or Apple Phone. Download Apple Pay, and then go to the Settings app.

It is imperative to follow on-screen instructions in order to properly set up the wallet Apple Pay.

Then, open Apple Pay, and continue with the following step.

Step 2: Press the Add Button and Add Card Details

On the Apple Pay Wallet app home screen, tap on the Add button. This will let you add a cad to your compatible device, which will later be used alongside Apple’s service.

You will find a list of multiple debit or credit card issuer providers, so tap on the right one and proceed to add the card information.

Step 3: Use Your Bank or Card Issuer Verification Code

Now, your bank or card issuer needs to verify that you are the one adding the card to your iPhone, iPad, or iOS device.

You will most likely get a security verification code that you need to input on the Apple Wallet App.

It is probable that you will be prompted to provide additional information in order to confirm your decision.

Simply say what your bank tells you, and you will be able to link this card to use with Apple Pay in no time.

How to Verify Card for Wallet Apple Pay with Apple Watch

The aforementioned steps work if you have an iPhone and so on, but what if you have an Apple Watch only?

In this case, these are the steps you need to follow:

  1. Open the Apple Wallet App on your Apple Watch;
  2. Select the Add button on the main Apple Watch tab;
  3. Add further information about your card and verify that you add the right bank or issuer;
  4. Wait for your bank confirmation and follow security steps;
  5. You are now able to use this card on your Apple Watch! It will be automatically linked to your iPhone as well.

Apple Watch users must have the latest version of the Apple Pay app downloaded.

Later on, you will be able to make payments by unlocking your device with Touch ID or Face ID implemented by Apple Inc.

How to Verify Apple Card for Apple Pay

Apple has its own Apple Card that you can apply for. It works as a credit card rather than a bank debit card, and of course, you need to verify your identity before getting this card.

Step 1: Open the Apple Wallet App

Open the Wallet App, and look for the Apple Card Application button on Settings. You can do this on your iPhone - it works smoothly!

Step 2: Apply for an Apple Card

Once you find the Apply option on Settings, you will need to add your personal info, such as name, address, email, Social Security Number, and additional information required by Apple.

Step 3: Provide Proof of Identity to Apple

Now, Apple will ask you to scan a photo ID and submit it. They do this to verify your identity and grant you the Apple Card.

Thus, scan your ID on both sides, and submit it. If you have failed on the scanning, you can re-scan the ID by tapping on the dedicated Scan button.

Step 4: Wait for Your Apple Card Application to be Approved

You need to wait for a few days for Apple to verify your identity. Then, with a little bit of fortune, your Apple Card will be approved!

From now on, you can use this card on Apple Pay without major problems, so you are good to go.

Why Was My Apple Card Verification Declined?

Sadly, it can also happen that your Apple Card verification gets declined due to a number of different reasons:

  1. You don’t have sufficient bank credits for Apple to approve a card on your name - this is a bank issue related to your history rather than to the platform;
  2. The photo ID was wrongly submitted. In this case, you need to verify that there are no items in the middle of your phone’s camera and the ID you are capturing;
  3. The Photo ID submitted to Apple was expired or about to expire - you need to submit a new ID in this case;
  4. Check that your personal information, such as date of birth, name, and address, matches up on Apple Pay and the photo ID.

Fortunately, you can apply for an Apple Card again, but if you fail to comply with the aforementioned steps, you might get declined one more time. For more Apple Pay tips, GrowFollowing is the way to go.


Is Using Apple Pay Safe?

Yes, Apple Pay is one of the safest, most used electronic payment apps in the United States, so you have nothing to worry about when it comes to safety.

About the author

Steve specializes in cryptocurrency and finance. As a born researcher, he won’t leave any stone unturned when it comes to topics he covers.