my device facing the apple pay issue

Did you follow all of the steps in that article? Specifically:

Apple Pay Issue Detected

If the Apple Pay Issue Detected message appears, you won't be able to use Apple Pay or Wallet for payments or access until you reinstall iOS or iPadOS on your device. Some Wallet passes might still be available while payments are unavailable.

If that is not the message you are seeing, what is the message when you set up Apple Pay?

The Related Article above your name on this page, that you were reading just before you posted here, has guidance about your question. If the Related Article doesn't provide sufficient information please post back with more details about the issue and another user in this user-to-user forum will try to help.