If I try to add a card or sign to Apple Pay it says there is an error

OK, let’s try this approach.

Are you in a country or region that support Apple Pay?

Countries and regions that support Apple Pay - Apple Support

Does your financial institution support Apple Pay?

Apple Pay participating banks in Asia/Pacific, Africa, Europe Latin America, Middle East and United States - Apple Support

If you’ve confirmed the above, please update your iPhone to the latest iOS, 16.5.1 or higher. Older iPhones may only support 15.7.5, but Apple Pay will function.

Update iOS on iPhone - Apple Support

Once updated, please do a forced restart of your iPhone.

Force restart iPhone - Apple Support

Make sure your are signed into your Apple ID/iCloud account on your iPhone.

If you’ve gotten this far, try adding your debit or credit card.

Set up Apple Pay - Apple Support

What does the error say?

Yes, what? Did you get it to work?

That’s great! What I wrote worked or you need additional help or information?