Hello blue188,
Welcome to Apple Support Communities. We can understand the concern with being unable to update your iPhone, and we're happy to help. Do you have access to a Mac or Windows PC with iTunes installed? If so, click here to get started:
If you see an Update Failed or Apple Pay Not Available alert after iOS update or restart
Scroll down to "What to do next", and follow the guidance provided. Should this issue persist, get in touch with Apple Support for additional assistance:
We hope this helps you.
Take care and be safe.