Need to reset all my payments and use Apple Pay
Need to reset my whole phone and set up payment method with Apple Pay
iPhone 8, iOS 13
Question marked as
How to reset your whole phone - How to erase your iPhone, iPad, or iPod touch
How to set up Apple Pay - Set up Apple Pay - Apple Support
Note - if you live in a region that does not support Apple Pay then doing this might be a waste of time. You did not provide any details.