Every time I try to set up Apple Pay and send money it says Apple Pay is unavailable. What am I doing wrong

Hi Lizrob18,

Welcome to the Apple Community

You might want to check whether your country or region supports Apple Pay, and see the participating banks.

Countries and regions that support Apple Pay – Apple Support

Apple support has many articles online (a few links below) to help get familiar with Apple Pay.

You might want to browse any articles that seem useful to you.

How to: Send and receive money with Apple Pay on iPhone (U.S. only) – Apple Support

How to: Send and receive money with Apple Cash – Apple Support

If you can't send or receive money in Messages with Apple Cash – Apple Support

Set up Apple Pay in Wallet on iPhone – Apple Support

Discussion thread on a similar topic:

Apple Pay says I can’t receive or send mo… - Apple Community

All the best