my apple wallet is not working

Are you in a country or region that support Apple Pay?

Places that support Apple Pay - Apple Support

Does your financial institution support Apple Pay?

Apple Pay participating banks in Asia/Pacific, Africa, Europe Latin America, Middle East and United States - Apple Support

Confirm your region is set correctly.

Change the language and region on iPhone - Apple Support

Change your Apple ID country or region

How do you know? Are you receiving an error message? If so, what is the message?