Q: Why maldives is not in countries list of apple?

Hi

I'm afraid that no-one here can tell you anything about Apple's unannounced plans for Apple Pay (whether, when, etc) or the reasons for its decisions. It is also not allowed here to speculate.

Your best solution is to keep checking Apple's website, which will be updated with details of any changes (new countries and/or card issuers) in due course:

http://www.apple.com/ios/feature-availability/#apple-pay