I can’t use Apple Pay

Does that say you cannot add a card? Can you provide more information? I cannot translate text in a photo.

When you contacted the card issuer what did they say?

Check your Apple ID region to make sure it is correct and make sure the region is correct on your device. Make sure you are using a passcode, Go to these links and make sure you follow the instructions on each one - Countries and regions that support Apple Pay - Apple Support

here too - If you can't add cards to Wallet for Apple Pay - Apple Support