Send and receive money with Apple Pay
Why is my Sending and receiving money with Apple Pay is restricted??
iPhone 11, iOS 13
See Use parental controls on your child's iPhone, iPad, and iPod touch https://support.apple.com/en-us/HT201304. See this heading Set Content & Privacy Restrictions.
It looks like you are subject to a restrictions passcode, specifically a Screen Time passcode. If so, whoever set up the passcode will need to remove it. See: Use Screen Time on your iPhone, iPad, or iPod touch https://support.apple.com/en-us/HT208982