Can’t add my Apple Pay wallet
Can’t add my
iPhone XR
That’s the Settings app. I suggest using the actual Wallet app rather than Settings. Just my experience. The Apple Support article I linked below explains the procedure step by step.
Set up Apple Pay - Apple Support
You may want to review the basics too. are several possible reasons you might be experiencing issues. So let’s start with a few basic steps. I’ve added links to support articles that may offer solutions to issues you might encounter.
Are you in a country or region that supports Apple Pay?
Countries and regions that support Apple Pay - Apple Support
Does your financial institution support Apple Pay?
Confirm your region is set correctly.
Change the language and region on iPhone - Apple Support
Change your Apple ID country or region