Why is my wallet not working

Are you in a country or region that support Apple Pay?

Countries and regions that support Apple Pay - Apple Support

Does your financial institution support Apple Pay?

Apple Pay participating banks in Asia/Pacific, Africa, Europe Latin America, Middle East and United States - Apple Support

• If you’ve confirmed the above, please update your iPhone to the latest iOS, 16.5.1 or higher. Older iPhones may only support 15.7.5, but Apple Pay will function.

• Update iOS on iPhone - Apple Support

• Once updated, please do a forced restart of your iPhone.

• Force restart iPhone - Apple Support

• Make sure your are signed into your Apple ID/iCloud account on your iPhone.

Follow the steps in this support article for adding credit/debit cards to your Wallet.

Set up Apple Pay - Apple Support

How to add a debit or credit card on your iPhone

1. In the Wallet app, tap the Add button 
2. Tap Debit or Credit Card to add a new card.

• • Tap Previous Cards to add a card that you used previously.

1. Tap Continue.
2. Follow the steps on the screen to add a new card.
3. Verify your information with your bank or card issuer. They might ask you to provide more information or to download an app before approving your card for use with Apple Pay.
4. If you have a paired Apple Watch, you have the option to also add the card to your watch.

To remove a card from the Previous Cards screen, tap Edit > Remove button 

 > Delete. Then, tap Delete Card to confirm and remove the card from all your devices.

Set up Apple Pay - Apple Support

Sorry, for any confusion my original post may have caused.

So, adding a card is controlled by both your bank that issued the card and also Apple. What is the error message/notification you’re seeing when you try to add a card? What does it tell you to do?