Why I can’t have an apple paye with my phon

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)

Make purchases using Apple Pay

Make purchases using Apple Pay - Apple Support

Make contactless payments using Apple Pay on iPhone

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

Use Apple Pay in apps, App Clips, and Safari on iPhone

Use Apple Pay in apps, App Clips, and Safari on iPhone – Apple Support (UK)

Apple Pay participating banks in Africa, Europe, and the Middle East

Apple Pay participating banks in Africa, Europe, and the Middle East - Apple Support

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

About billing for Apple subscriptions and media products in India

About billing for Apple subscriptions and media products in India - Apple Support