The requirements for using Apple Pay are detailed here:
Set up Apple Pay - Apple Support
On iOS devices, you can use your passcode instead of Touch ID.
Apple Pay is available:
On eligible devices, which include iPhone SE, iPhone 6, iPhone 6 Plus and newer iPhone models:
In selected countries:
If you are using an eligible device and are within one of those regions, then check that your iPhone (or other eligible device) region is set accordingly. For example:
On your iPhone, go to: Settings > General > Language & Region > Region.
Also follow all of the required steps here:
Set up Apple Pay on your iPhone, iPad, Apple Watch, or Mac - Apple Support
Note that it is only possible to add supported payment cards from participating banks or stores within those countries.
Apple Pay participating banks in Europe - Apple Support
Apple Pay participating banks in Canada and the United States - Apple Support
Apple Pay participating banks in Asia-Pacific - Apple Support