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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

• Apple does not approve or decline cards for use with Apple Pay. If your card was declined, contact your bank or card issuer.