Apple Pay error

1. Sometimes if you sign out of your Apple ID and back in it resolves the problem.
2. Make sure you are using the latest iOS/macOS update.
3. Check your Apple ID region to make sure it is correct. If it is correct, you may need to select the same region again. (Change your Apple ID country or region - Apple Support)
4. Check the region on your device to ensure it is correct (Settings>general>language & region - set to your region)
5. A passcode is required to use the Wallet app. 
6. You need to be in a region that supports Apple Pay - Countries and regions that support Apple Pay - Apple Support
7. Your bank needs to support Apple Pay - Apple Pay participating banks - Apple Support
8. If none of these suggestions are able to resolve your issue you can go here for further assistance - If you can't add cards to Wallet for Apple Pay - Apple Support
9. Apple Pay support can be reached here - Apple Pay Customers

Where are you located? Are you at least 18?