How to verify your apple pay account

Requirements to get Apple Card

To get Apple Card, you must meet these requirements:

• Be 18 years or older, depending on where you live.
• Be a U.S. citizen or a lawful U.S. resident with a U.S. residential address that isn't a P.O. Box. You can also use a military address.
• Use two-factor authentication with your Apple ID.
• Sign in to iCloud with your Apple ID.3
• If you have a freeze on your credit report, you need to temporarily lift the freeze before you apply for Apple Card. Learn how to lift your credit freeze with TransUnion. 
• You might need to verify your identity with a Driver license or State-issued Photo ID.

Apple Pay, itself, does not have an account. However, in order to add suitable payment methods to it, you need an Apple ID.

Ref: Set up Apple Pay - Apple Support