Receiving scam text regarding Apple Pay

I would say just about every one has seen that text and of course it is a scam. You would NEVER call a number provided to you in a message/email or click a link to provide personal information. With just that simple rule, you have avoided just about every scam you will come across in a message/email.

Recognize and avoid social engineering schemes including phishing messages, phony support calls, and other scams - Apple Support