Apple pay

my iPhone XR it does not work with Apple Pay.

Apple Pay is the way to pay. It replaces your physical cards and cash with a method of payment that is private, easier and safer. Whether you pay in a store, on a website or in an app. This is the new payment.

it is actually the same as paying contactless with your bank card, only via the iPhone.

See -> Use Apple Pay for contactless payments on iPhone

Use Apple Pay for contactless payments on iPhone – Apple Support (UK)

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)

If you can't add a card to Apple Wallet to use with Apple Pay

If you can't add a card to Apple Wallet to use with Apple Pay - Apple Support

• Contact your card issuer to see if they support Apple Pay.