Adding Apple Pay to child’s account

Hi, and welcome to the Apple (user-to-user) Community.

Re: "trying to link 13yrs old card to applE pay can this be done"

If the child's birthdate in their Apple ID account shows they are 13 years old, or older, and as long as their device iOS is up-to-date and compatible, and their card is one that Apple can accept, there should be no problem ...

Devices compatible with Apple Pay – Apple Support 

You might want to check if Apple Pay is available in your country or region: and, if so, the Apple Pay participating banks:

Countries and regions that support Apple Pay – Apple Support

Check if the teen is signed in (to their device) with their Apple ID:

Sign in with your Apple ID - Apple Support

How to: Set up Apple Pay

What to do: If you can't add a card to Apple Wallet to use with Apple Pay

If needed:

Apple Pay Support:

Get support with Apple Pay:

Apple Pay - Official Apple Support

All the best :-)