Apple Pay under 16 years
So I have a iPhone but the problem is I’m 15 years old and my bank says that I can use Apple Pay that I’m old enough to set it up but apple doesn’t want Apple Pay under 16 so I have 2 questions 1 can I use Apple Pay under 16 years and 2 why have Apple set a minimum age of 16 maybe Apple you can add that if I have permission from my parents that I can use it
iPhone SE, iOS 13