I don’t have ssn

Are you referring to:

Identity verification for Apple Pay Cash - Apple Support - https://support.apple.com/HT207887 - SSN is a requirement by the bank - "The first time that you verify your identity, you might be asked for this information:

…

Your social security number…"

You don't need a social security number to set up Apple Pay. You need a credit card, a billing address, and your credit card needs to support Apple Pay. You also need to live in a country where Apple Pay is supported.