cannot use account balance in my apple wallet

Re: "cannot use account balance in my apple wallet:

the apple gift card amount i inserted into my apple wallet and now i cannot use it"

See: What type of gift card do I have? - Apple Support

Apple Gift cards are redeemed and used for purchases from Apple, often using an Apple ID account balance.

How to redeem your Apple Gift Card or App Store & iTunes gift card - Apple Support

and

How to: Check your gift card balance - Apple Support

Also see: What you can buy with your Apple Gift Card or Apple Account balance - Apple Support

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Check which payment methods Apple can accept in your country or region:

Payment methods that you can use with your Apple ID - Apple Support

Apple Pay uses credit /debit cards in Wallet to transfer payments to merchants, websites etc.

Only in some countries can Apple Pay be added as a payment method for purchases from Apple.

How to: Add a payment method to your Apple ID - Apple Support

Hope something here helps you enjoy using your gift card balance.