When adding your new card to apple pay and you have an old IOS version you'll often be greeted with this message:
Whilst there isn't a technical reason preventing you from adding the card, apple blocks the addition of the card until you update IOS or buy a new device.
Luckily there is a work around to trick apple's card registration servers into accepting that you have a newer version of IOS without upgrading. This is done by modifying a system file called SystemVersion.plist temporarily, completing the card addition and modifying it back.
Firstly you will need to jailbreak your phone (we will un-jailbreak it later so don't worry). This is because we need write access to the system to modify the file.
For this google a suitable jailbreak for your IOS version, I was on 12.4.1 so I went for Unc0ver (unc0ver.dev) make sure you get a legitimate website.
Once jailbroken and Cydia has been installed open it:
You will need to find and install a file editor called Filza (use the search button to find this):
Open Filza and browse to
Once opened note down your current ProductBuildVersion and ProductVersion, taking a screenshot is a good idea you will need this to put your device back into a safe state or it will not reboot.
Here my version is 12.4.1 and my BuildVersion is 16G102.
Next we need to find a newer IOS version to spoof, you can do this by finding your device on
and locate a new verison of IOS and its BuildNumber, here I choose 14.0.1 and the build number is 18A393
Now update the Product Build number and IOS version to match the new version in Filza and SAVE.
Now use the apple wallet app to add your card, everything should proceed successfully now.
Once your card has been registered go back to Filza and enter your original build number and product version and SAVE
# IT IS NOW SAFE TO REBOOT YOUR DEVICE #
Congratulations the process is complete!
You can now un-install the jailbreak by checking the Restore RootFS option in the Jailbreak app - you will need to do this before opening any banking apps.