> it has to be validated against the owners account Indeed. I had to actually call my bank and get them to authorize my card for apple pay. * take picture of

> it has to be validated against the owners account Indeed. I had to actually call my bank and get them to authorize my card for apple pay. * take picture of card, enter CSC/code * call bank (tell them a bunch of things about me to verify I am me) * bank authorizes card for apple pay