Wallet Tokenisation Reason Codes

The wallet service provider tokenisation reason codes are a string of 24 ASCII characters which are '0' or '1':

0 = this reason is not set
1 = reason set

The first reason is in the last character, the second reason in the second last character, and so on. For example, if reasons 1, 5 and 16 were set, then wallet_reasons would be the string "000000001000000000010001".

Wallet_Reasons

Refer to the table below for a list of reason codes.

Reason	Offset in wallet_reasons	Meaning (common for all wallets)	Apple Pay Description
1	24	Account too new since launch	Apple ID was created 40 days or less prior to launch.
2	23	Account too new	Apple ID was created 40 days or less prior to provisioning request.
3	22	Account Card too new	Apple ID / card pair is less than 20 days old.
4	21	Account Data recently changed	Changes have been made to the account settings for the Apple ID in the last 20 days.
5	20	Suspicious activity	Suspicious transactions linked to this account.
6	19	Inactive account	The account has not had activity in the last year.
7	18	Device has suspended tokens	Suspended cards in the secure element
8	17	Device recently lost	The phone was put in lost mode in the last 7 days for longer than the duration threshold (1 hour).
9	16	Too many recent attempts to digitise a payment token	The number of provisioning attempts for this card on this device in 72 hours exceeds the threshold (3 attempts).
10	15	Digitisations too frequent	There have been more than the threshold number of different cards attempted at provisioning to this phone in 24 hours (5 different cards).
11	14	Too many different cardholders	The card provisioning request contains a distinct name in excess of the permitted threshold (2 distinct names).
12	13	Low device score	Device score is less than 3.
13	12	Low account score	Account score is less than 4.
14	11	Digitisation attempted outside home territory or country	Device provisioning location outside of device region.
15	10	Recommendation system inoperative	Model rules not available at this time (in cases where back end systems time out).
16	9	High risk detected	Apple algorithm identified high fraud risk, enhanced verification recommended.
17	8	?	Phone number score is less than 3.
18	7	RFU	Reserved for Future Use
19	6	RFU	Reserved for Future Use
20	5	RFU	Reserved for Future Use
21	4	RFU	Reserved for Future Use
22	3	RFU	Reserved for Future Use
23	2	RFU	Reserved for Future Use
24	1	RFU	Reserved for Future Use