The availability of the Apple Pay option in the Assistive Touch Top Level Menu depends on the country associated with the Apple ID you are using. If your Apple ID is registered in a country that supports Apple Pay, you will see the Apple Pay option. However, if your Apple ID is associated with a country that does not support Apple Pay, the option will not be visible. It's important to have an Apple ID linked to a supported country in order to access and use the Apple Pay feature.
Countries and regions that support Apple Pay