How can I get apple wallet on ipad with ios10

Simply not possible. Apple wallet is a component of later versions of iOS/iPadOS that your iPad4, running iOS10.x, cannot support.

Update support for iPad4 ended September 2017. The final iOS releases for this model were iOS 10.3.3 (WiFi Only models) and iOS 10.3.4 (WiFi & Cellular). iPad4 cannot be updated to any later major version of iOS as it lacks the minimum hardware requirements needed to run more recent versions. The 32-bit platform upon which the iPad4 is based is obsolete.

If Apps that you would like to use have higher minimum iOS-version requirements than your iPad is capable of support, your only option is to replace your iPad with newer model. Of current models, even the entry-level iPad9 supports current iPadOS 15 - and has hardware specifications and capabilities that vastly outperform your old iPad4.

I hope this information is helpful - if only in clearly stating the fundamental limitations of your iPad4 and your available options.