I changed my phone from iPhone X to iPhone 13 Pro a few days ago. As a rule, I deleted all the Apple Pay cards and added them again. As a result, one of the Bank of China's Lotiani cards failed to be added all the time, and even the SMS verification code was not received. I directly prompted "This card has not been added, please contact the card issuer for more information", After several attempts, the prompt changes to "Invalid card information".

All the common methods on the Internet are invalid after they have been tried. It took several days to solve the problem, so we can record it and save time for future generations.

Let's first think about whether the card is locked by risk control. First, I transferred 10 yuan in online banking to see if there was any problem, and then found that the transaction was normal. Called the customer service of Bank of China, the customer service said that the status of the card was normal after inquiry, and doubted whether it was due to the Class II card. It was recommended to go to the offline staff of the branch to solve the problem.

I asked a few friends around me who tied the card successfully. They were all Class II cards, so there was no problem. What's more, they also tied the card successfully before.

Because I received an anti fraud call from UnionPay when I added a card for the first time, and asked me to confirm the bank card status, so I called UnionPay again to check the card status, and the query result was also normal, without risk control. I suggest we contact Bank of China to solve the problem.

I must be too lazy to go to the outlet, so I began to fight with this card.

0x00 Card opening mobile phone number does not match?

After searching, many ICBC users reported that the current phone number might not match the card opening phone number, which triggered the risk control. It was the first time I knew that Apple Pay could change the phone number.

In Settings - Wallet - Default transaction information, you can modify the mobile phone number used for transaction. But we still can't change here.

0x01 Is it related to the actual mobile card?

Some people say that this is related to the SIM card actually installed on the current mobile phone. If the current SIM card is not an open card mobile phone, or the main card is not an open card mobile phone under the dual card status, it will also lead to risk control.

Well, anyway, a dead horse is a living horse doctor. After rummaging through the boxes and cabinets for a long time, I found the pin. I poked out the mobile phone card and only put one open card mobile phone card in it. Try again, but it still won't work.

0x02 Not added from the bank APP client?

Someone said that you can try to add it from the bank client. The Bank of China App has a button to add a bank card to Apple Pay. I also tried this card opening method. At first, it was normal to receive the verification code, and an add interface popped up. I thought it was promising, but the same error was reported after I agreed to the terms.

I also tried the method of overtaking on a curve. First, I added my bank card to the cloud flash app, and then tied the card through the cloud flash app. The result was the same.

What's worse, Apple Pay has a limit on the number of times to bind a card. The same card can only be bound 6 times a day. After that, the card binding will prompt "invalid card information". In this case, the test can only be continued the next day. Because of this limitation, we can only measure one method every day.

0x03 Call UnionPay again

Because the problem has not been solved after several times of wandering in the bank, a bank staff suggested that we call UnionPay to check the error code. I was shocked at that time. Boy, you couldn't find the error information when the card issuer refused. The staff said that their system didn't have this function.

After checking on the Internet, I thought that the Apple Pay card was:

Apple -->card issuing bank, no middleman makes the difference.

But in fact, Apple's cooperative institution in China is UnionPay, which then connects with various banks. The actual card issuing process is as follows:

Apple -->UnionPay -->Issuer

So I called UnionPay again and described the situation. UnionPay customer service said that it could help me check the error code. After a while, UnionPay customer service reported that the error code was "93608, no business application authority for account information", and kindly paid a sentence "The error code beginning with 9 is all about the card issuer, and we can't handle it, so we suggest you contact Bank of China to handle it"

One thing to say, The customer service of UnionPay is really difficult to call. If you directly choose manual service, he will directly let you hang up and contact online customer service Online customer service can't deal with this problem. We also checked how to get into UnionPay's manual customer service, You must first press 4 for other services, and then press 9 for manual service to connect 。 The waiting time is still several minutes, and I still can't choose a song. Apple's manual service can still choose a BGM.

Then he called the Bank of China and told them the error code "93608". After a while of inquiry, they said that we did not have a solution to this problem, and suggested contacting Apple to solve it.

I have no choice but to check online first. Hey, don't mention it. I found a copy of WAWEI Pay on the official website of a friend Common error codes , which seems to be consistent with the error code of UnionPay.

There is a special note in the column 3068: "If Bank of China reports error 3608, please check whether there are two devices bound to the card. If yes, please delete the bank card in one mobile phone and try again."

But I didn't find this card in the Wallet of the old device, nor in the deleted card. Suddenly, I remembered that we had an SE that was not at hand and also opened Apple Pay, which was a bit troublesome.

Let's try to call the Bank of China first to ask them whether they can cancel all the virtual cards of our card, but the result is no, the system does not have this function. I can't help but contact Apple now. Apple customer service told me that I can remotely revoke Apple Pay card in iCloud device, and log in to check it immediately.

The device that has activated Apple Pay will have an Apple Pay logo. You can see the revocation button on the Apple Pay page of the secondary menu.

I removed all the Apple Pay cards on the other two devices (but it seems that there is no Lotiani card), and then tried to add cards again.

Well, now it is added successfully. But to be honest, I still don't understand why, because this card is not seen in the list of Apple Pay, it seems to disappear, but it is successfully added after removing all the cards of other devices.

summary

To sum up, No matter what strange problem Apple Pay has, call UnionPay first, and they can see the error code, at least they can solve the problem directionally 。 After getting the error code, solve it step by step according to the error message.

If you are also a card of Bank of China and can't open Apple Pay for any reason, you can try to remove all Apple Pay cards from all devices in appleid.apple.com and try again.

It has been 7 years since Apple Pay was released. I didn't expect such a simple question to come and go for several days. The technical documents of Apple, UnionPay and Bank of China still need to be improved.

And when I'm free, I plan to apply for a Miku card 23333