To add your card to Apple Pay, you must use Email Verification.
The Code: Your verification code will be sent directly to your user dashboard.
Regional Accuracy: Ensure your Apple account, payment address, and VPN all reflect a single, non-sanctioned region.
Do not call any phone number displayed by Apple Pay (such as "Call Bank"). If the system only offers a phone call for verification, it means your regional data is mismatched and the correct verification method has been blocked. Do not proceed with a call.
If the email verification option is missing and the system asks you to call, follow these steps to reset your regional data:
Pro-Tip: If the iPhone continues to fail, try adding the card via an Apple Watch. It uses a different verification flow that often allows the Email method to appear.