Why do I not see thee new options on my iphone 12 pro

See the following Apple articles:

Set up Apple Pay

Set up Apple Pay - Apple Support

Countries and regions that support Apple Pay

Countries and regions that support Apple Pay - Apple Support (EG)

Set up Apple Pay in Wallet on iPhone

Set up Apple Pay in Wallet on iPhone – Apple Support (UK)

What options are you referring to? The car key option is only for a couple of car manufacturers and models, and it must be a new car.