I can not add apple card in the wallet I get this message. “Account Services unavailable apple pay services are currently unavailable.

All Apple services are up and operating normally.

Apple - Support - System Status

There are several possible reasons for this.

1) Are you behind a VPN?

2) Make sure your Region is set to US.

Change your Apple ID country or region - Apple Support

3) Update you iPhone to latest iOS

Update iOS on iPhone - Apple Support

4) Log out of and log back into your Apple ID/iCloud account.

5) Do a forced restart of your iPhone.

Force restart iPhone - Apple Support

6) If on Wi-Fi switch to cellular network or vice versa.

There is no specific order to any of these possible solutions. Any single operation can fix your issue.