Your iPhone cannot use Apple Pay until it has been updated
iPhone update
iPhone update
Check what version of iOS that you have installed by going to Settings > General > Software Update. If your iPhone offers to update to iOS 14.8.1 or iOS 15.1, click Download and Install.
Update your iPhone, iPad, or iPod touch - Apple Support
If your iPhone already has iOS 14.8.1 or iOS 15.1 installed, then you'll need to connect your iPhone to your Mac or PC with iTunes installed.
On a Mac:
On a PC with the latest version of iTunes installed:
After following these steps, your computer will download the current version of iOS and reinstall iOS on your iPhone while keeping all your files intact.
Check what version of iOS that you have installed by going to Settings > General > Software Update. If your iPhone offers to update to iOS 14.8.1 or iOS 15.1, click Download and Install.
Update your iPhone, iPad, or iPod touch - Apple Support
If your iPhone already has iOS 14.8.1 or iOS 15.1 installed, then you'll need to connect your iPhone to your Mac or PC with iTunes installed.
On a Mac:
On a PC with the latest version of iTunes installed:
After following these steps, your computer will download the current version of iOS and reinstall iOS on your iPhone while keeping all your files intact.
Your iPhone cannot use Apple Pay until it has been updated