Apple wallet scam text?

Apple would never contact you. Your bank (issuer of card) would contract you. Banks do the exact opposite of the message you received. If they suspect fraud the transaction is stopped immediately. You have to call to verify the transaction, not call to stop the transaction. 

“Don't answer suspicious phone calls or messages claiming to be from Apple. Instead, contact Apple directly through our official support channels.”

”To report a suspicious SMS text message that looks like it's supposed to be from Apple, take a screenshot of the message and email the screenshot to reportphishing@apple.com.”

You can report phishing at these links and most importantly your local law enforcement.

• Identify legitimate emails from the App Store or iTunes Store.
• FTC Complaint Assistant
• FBI’s Internet Crime Complaint Center

Learn about how not to be a victim of Social Engineering.

Recognize and avoid social engineering schemes including phishing messages, phony support calls, and other scams - Apple Support

Yes, it is a scam. There are no charges on your account and no action needed on your part except to delete the message and enjoy your day. I assume you did not call the number and give any personal information that would have resulted in your account being compromised.