How do activate my Apple Pay on my iPhone 15 Pro?

Apple Pay is a service. You are welcome to use Apple Pay or not. If you choose to use the service, it requires you to be in a country that supports Apple Pay and to add a payment method, credit or debit card, issued by a bank that supports Apple Pay.

There are several possible reasons you might be experiencing issues. So let’s start with a few basic steps. I’ve added links to support articles that may offer solutions to issues you might encounter. 

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

Countries and regions 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