Apple pay on iphone

You can use Apple Pay with a six digit passcode if you prefer.

If you don’t use Face ID then you will have to enter a passcode for authenticating, unlocking, confirming purchases, using Apple Pay and wallet, Apple Cash, downloading from iTunes and the App Store, and other features which require authentication.

Use a passcode with your iPhone, iPad, or iPod touch - Apple Support

Roslee7 wrote:

Do i need to set up the face ID and passcode everytime i use the apple pay?

and i realised that everytime i disable the face ID and passcode, my bank card will gone in the apple wallet.

To be clear, you want your bank cards protected by something don't you think?

No passcode and Apple Pay means anybody with your device can use your cards.

You need to have passcode at least, if not Face ID.