So I’ve been on a 5 month journey with support, verizon, my bank and visa. I had an iPhone 8 and got a replacement from asurian. The replacement was started with my iCloud backup. Apple Pay never worked on it. After a few months I upgraded to an XR and started fresh from iTunes and still couldn’t add a card to Apple Pay. I press the plus in the wallet and it spins and says cannot add card or cannot contact Apple Pay. I don’t get the option to pick or add a card, just a plus sign and an error message. They tell me the engineers have been looking at it but, it’s been 3 months of that. Any ideas? I’ve done all the normal and extreme trouble shooting. Thanks.