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There 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
I have set the country region to Singapore and language to English but am still having no luck on it.
Do you use a VPN? Are you over 18?
Wallet would'nt let me add any bank cards