When you add a card to Apple Pay, but in some way dont agree on the terms, the card is added but is not able to be used.
If I open Apple Pay it says it needs verification. And if add the card again it says its already in my wallet.
So I removed the card and added it again + agreeing the terms, it worked after that :)
Just wanted to let you know, quite an odd case.
Ps; The rest of the app is amazing!!