How I can not able to set apply pay in my phone
I’m unable to set up Apple Pay in my phone
please could you give me some clue
iPhone 12 mini, iOS 16
Where do you live? Apple Pay is not available in all countries.
See this link to see if Apple Pay is an option for where you live --> Countries and regions that support Apple Pay - Apple Support
If your country doesn't support Apple Pay, complain to your government as they are the ones who need to approve it.