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Something I learned (almost the hard way) was to always make sure I have a Bank/Credit Card's own app installed (and logged in) before trying to add to Apple Pay. Apple Pay can and will redirect you to verification steps in the app if the app is installed. More often than not, if you initiate "Add to Wallet" from the app itself there's no additional verification step.

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The setup flow is hit or miss.

With some banks, it was seamless to setup. With another bank, it wasn't clear how to finish setting up Apple Pay. I don't recall if I called them or went through their app to actually set it up. It was definitely confusing, and the Apple Pay onboarding screens didn't provide useful instructions.

I do not envy the Apply Pay team's challenge to have onboarding systems that span the vast disarray of bank systems (because I know some of my banks and how technically behind they can sometimes be, and I know mine aren't the worst offenders). It is probably a small miracle of engineering and patience that Apple Pay onboarding works at all. (And obviously it is complex enough scammers are using it as an excuse to scam, given the article contents here.)

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