Hello, drrbr1.
Thanks for using Apple Support Communities. You've come to the right place for help with Apple Pay issues.
I recommend checking the System Status page to see if there are any known outages in your area: Apple - Support - System Status
If there are no known outages, please reply back with more details to help isolate the issue:
Do you have more than one card added to Wallet? If so, does that work with Apple Pay?
Is all of your billing information correct? Change, add, or remove Apple ID payment methods - Apple Support
What happens when you try to make a transaction?
Do you see an error or red exclamation mark?
Does Apple Pay fail in a store, in an app, or on a website?
We look forward to hearing back from you!