My iPhone 5s upgrade version 13.5 version not working for gpay and PhonePe plz upgrade

I am sorry, but the iPhone 5s is too old now and it doesn't meet the necessary hardware requirements to support anything beyond iOS 12.5.2. This device does not support any version of iOS 13 and iOS 14, and therefore it can't also support apps that require atleast iOS 13.

If you want to further upgrade your iOS version, you'll need a newer iPhone.

For iOS 14, you'll need atleast an iPhone 6s or 6s Plus or an iPhone SE (1st gen), those are currently the oldest iPhones capable of running the latest iOS version.