Q: apple pay lose

Dear Sir,

I am from china i am using i phone 6s  last month i use apple pay in my setting and i add bank card

but today i remove my card from apple pay and now i want add visa card but problem is in the setting

i cant find apple pay???

i dont know where and how lose my mobile have app like wallet but there only can add passes

cant get bank card.

Pls infomr how to add bank card and where to find apple pay again.

Same problem have with my many freidn all use i phone 6s.

B.RGDS
Amit