I can not add apple card in the wallet I get this message. “Account Services unavailable apple pay services are currently unavailable.
iPhone 12 Pro Max, iOS 15
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All Apple services are up and operating normally.
Apple - Support - System Status
There are several possible reasons for this.
1) Are you behind a VPN?
2) Make sure your Region is set to US.
Change your Apple ID country or region - Apple Support
3) Update you iPhone to latest iOS
Update iOS on iPhone - Apple Support
4) Log out of and log back into your Apple ID/iCloud account.
5) Do a forced restart of your iPhone.
Force restart iPhone - Apple Support
6) If on Wi-Fi switch to cellular network or vice versa.
There is no specific order to any of these possible solutions. Any single operation can fix your issue.