How to reset apple pay on iPhone?

Help here > Restore your iPhone, iPad, or iPod to factory settings - Apple Support

If you just want to remove cards in the Wallet on your iPhone, tap Settings > Wallet & Apple Pay then select a card then swipe all the down then tap: Remove Card

Hi, I Am Sha. I Am Using iPhone X.
Wallet & Apple Pay Option Is Not There In My iPhone.

Please Can I Get Any Solution For This.