Hey there Tatiana1999Z,
If we understand correctly, you're running into issues when you attempt to set up and add a card to Apple Pay. If this is correct, we have some links we believe may help. First, make sure you're in a country/region that supports Apple Pay. Here's how to check: Countries and regions that support Apple Pay - Apple Support. When you locate your region, click on the link that tells you which banks and card issuers participate in Apple pay for your location.
If your bank is listed, you may want to reach out to your bank directly to make sure there are not blocks or restrictions on your account which would lead to an issue. Or you can Contact Apple for support and service - Apple Support. They can review your device settings and make sure your settings and Apple ID are all correct.
Kind regards!