Hello all! I will give the CORRECT answer to this problem that doesn't seem to have been solved or is just given with vague to little information. I discovered this by accident and on my own when struggling to purchase something online myself (no thanks to Apple customer service!).
So when you are in the process of an online purchase and the Apple Pay screen comes up, on top it will show your primary card first, then a box right underneath it that says "Add Name." THIS is where you "Update Shipping Contact." You MUST click on this box, which there should be a blue arrow located on the right end side of this box.
- When the "Add Name" box has been clicked on, type in your first and last name, email address, along with your phone number (there should be nothing else it asks of you to fill out). (Edit: for some this box may say "Add phone number" instead and that is fine as it is still the same place)
- Next, you must "check off" each section where you entered in your information, simply by clicking it, which will show a blue checkmark next to it.
- Once this is done and all blue checkmarks have shown up, you may back out of this screen and it should no longer give the "Update Shipping Contact" message but instead show the amount owed and the fingerprint to use Apple Pay!
Thank me later and not the useless and unhelpful Apple customer service team (they will not help you with this as they themselves do not even know what is causing this issue. They will pretend to act like they know what they are doing, give you the runaround, transfer you to different departments, put you on hold, and have you change your address in settings and in x, y, z locations on your phone which will have NO effect at all, then have you restart your phone and promise to call you back but never actually do)!