How do I create Apple Pay account or wallet
Steps on Creating an Apple Pay wallet
iPhone 11 Pro Max, iOS 16
Wallet app is included with all eligible Apple devices. If it was deleted, please download from your Apple App Store. Once installed, you can add cards to Wallet, if your country or region supports Apple Pay. If your country doesn’t, you can still add loyalty cards, tickets and other conveniences.
Set up Apple Pay - Apple Support