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Not sure if it's still the case, but last year I could only top up with my AmericanExpress in Apple Wallet. Neither Visa nor MasterCard worked. This was a widespread issue at the time.

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FWIW I reloaded the Suica on my iPhone a few times in the past 2-3 weeks using my Apple Card (Mastercard) as the funding source and it worked fine.

I had no issues with either Visa or Mastercard last year, but I believe I went just after that issue was resolved.

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