How can I delete the "Get Started With Apple Pay" banner from the top of Apple Wallet?

There’s some confusion in this thread. You asked about getting rid of the Getting Started with Apple Pay in the Wallet. But a lot of the responses you got were about the payment method for the iTunes & App Store. These two subjects are unrelated.

The payment method in the iTunes & App Store has nothing to do with the Wallet. You can use a card in the Wallet for the app store, but that it is because it is a valid card, not the fact that it is in the Wallet. And you can add a card to the app store without ever using the wallet.

As to your original question, I posted a suggestion that might work; have you tried it? Tap on the message, then immediately tap Cancel.

Regarding the app store, you don’t need a payment method unless you download apps that offer subscriptions or that have in-app purchases, or that are for Apple services such as iCloud+, extending AppleCare after it expires, subscribing to Apple TV+, etc.

I can’t try this, as I have cards registered, but tap on “Get started with Apple Pay”, then tap Cancel. That might remove the banner.

Did you try tapping Add, then Cancel?

No. Can't be removed.

How are you paying for your services in

Settings, Your name, Payment & Shipping

if you have no card?

You will not get far using the iphone ecosystem without a payment card in there,

If my reasons for payment card rejection don't help after looking at them all then reach out to Apple Support directly. You should be able to reach them here

Contact - Official Apple Support

Are you in NZ as username suggests? I am in NZ and have the same problem - maybe there is some sort of geographical issue? And hence all the confusion in the thread, But for anyone else coming along I'll restate the issue.

Using Wallet ALWAYS has banner as seen in comment above ('Get Started With Apple Pay') and there is literally no option to get rid of it - if you go through 'add' process it still won't go away

Don't open wallet until you have a bank card or other card that you want to add.

As far as I know, it will always display unless you have a payment card in your wallet. What happens if you tap on it?

Without a payment method in Payments & Shipping you cannot install even free apps.

I asked how you are using App Store, not other merchants.

Reasons your payment card may be declined:

1. Account suspended for suspected fraud.

2. Address in your iTunes account does not match exactly the billing address for the card

3. Error in credit card number

4. Insufficient balance or you still owe money on a subscription

5. The card was not issued in the country of the iTunes store

6. Wrong expiration date

7. Wrong security (CVV) code

8. You are connected through a VPN provider that makes iTunes think you live elsewhere - uninstall VPN

Here is additional information from Apple if your payment method is declined.

If your payment method is declined in the App Store or iTunes Store - Apple Support