Apple Pay won't allow me to use the cash I have in my Apple wallet

Why won’t my Apple Pay allow me to use the cash I have in my Apple wallet?

why do I keep getting messages that my information is incorrect to update my Apple Pay?

even if I have a $100 available Apple Pay jumps to my default bank when the purchase from Amazon is $60.00

i have tried to figure this out over many months and still get message saying my Indy is incorrect. When I go to settings however, everything is correct.

[Re-Titled by Moderator]