Text from Apple is it a scam ?

Quite possibly.

Scams (e-mail, text messages, and phone calls) are getting very good at closely imitating true Apple communications. Always be cautious. Here are some guidelines:

Identifying legitimate emails from the iTunes Store - http://support.apple.com/HT201679

Recognize and avoid phishing messages, phony support calls, and other scams - https://support.apple.com/HT204759

If you are uncertain about a message and a resource provided in that message, do not click on any links in the message. Try to independently verify the resource by going to a support page on apple.com and use that to contact Apple or to use the service the message is telling you to use.

Have you tried using your iPhone to check if Apple Pay is complaining about something?

Click on this link and read how to 'Set up Apple Pay' --> https://support.apple.com/HT204506