My phone will not pay using Apple Pay

Hello and welcome to Apple Support Communities, MarinaView248,

We understand you're having trouble using Apple Pay. We'd be happy to help you out.

Check to see if the steps here help you get Apple Pay setup:

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

If you still have trouble after those steps, please let us know if you see any alerts when trying to use Apple Pay to pay.

Regards.