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)
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
India
• Apple ID balance (from adding funds)
• Net Banking (adding funds only)
• UPI (adding funds only)