I don't have the Apple Pay option in Safari

According to: Change Privacy preferences in Safari on Mac - Apple Support

When you visit a website that uses Apple Pay, the website can check if you have Apple Pay enabled on that device. If you’re using a Mac to which a card cannot be added, the website can check if you have Apple Pay set up on an iPhone or Apple Watch. Apple websites and apps can also check to see if you have Apple Card. You can stop websites you visit from checking if Apple Pay is enabled or Apple websites from checking if you have Apple Card on your Mac at any time by going to Safari > Preferences > Privacy and deselecting “Allow websites to check for Apple Pay and Apple Card.”

This option appears if you have either a:

• Mac with Touch ID.
• iPhone 6 or later (including iPhone SE) with iOS 10 or later, or Apple Watch with watchOS 3 or later. You must be signed in to iCloud using the same Apple IDon your device and your Mac (and your Mac must support Handoff).

If you allow websites to check if Apple Pay is set up, one of two things can happen:

• If you have a card set up in Apple Pay: Websites might default your shopping cart to Apple Pay and you might see the Apple Pay button on product detail pages (it’s up to the website).
• If you don’t have a card set up in Apple Pay:Websites probably won’t default your shopping cart to Apple Pay and you probably won’t see the Apple Pay button on product detail pages (because the website can see that you haven’t set up a card).

I hope this article assists you:

https://support.apple.com/guide/safari/ibrw8e207504/11.0/mac/10.13