I’m struggling to access Apple Pay on my phone …
iPhone XR, iOS 15
The assumption in my response below is that you have successfully added a credit/debit card so that it can be used to Pay with Apple Pay. Please review this guide published by Apple 👉 How to make purchases using Apple Pay.
Axel F.
How to pay using Apple Pay online or within apps
Tap the Apple Pay button or choose Apple Pay as your payment method.
To pay with a different card, tap the Next button or the Expand Menu button next to your default card.
If necessary, enter your billing, shipping, and contact information. ...
Confirm the payment.
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How to pay using Apple Pay
