Q: what do you do if you lost your apple watch then on your iphone declared it missing to get rid of apple pay problems Is there still a way to find it?

Apple Pay is disabled when the watch is not on your wrist.  If you removed the watch from iCloud, you disabled activation lock, so now anybody can use the watch.

https://support.apple.com/HT205009

Hi

You should have left iCloud on no one could have used Watch if it was still  tied to your Apple ID

But now anyone with an iPhone can set up and use Watch.

Cheers

Brian

Hi

I'm afraid there is no way to find or recover your watch via any Apple service.

The watch does not have built-in GPS features, so cannot be physically tracked or located in the same way as, for example, an iPhone (via Find my iPhone). This applies regardless of whether Activation Lock is turned on or off.

It is not possible to remotely erase your watch and there is no other Apple service that can find, track or otherwise flag your watch for you.

More information:

About Activation Lock on Apple Watch - Apple Support

Even though it cannot be remotely erased, any data on the watch should be safe if the watch has a passcode.  It has to be erased before it can be used with a different phone if the passcode is not known.