How to verify your apple pay account

Apple Pay, itself, does not have an account. However, in order to add suitable payment methods to it, you need an Apple ID.

Ref: Set up Apple Pay - Apple Support

Requirements to get Apple Card

To get Apple Card, you must meet these requirements:

• Be 18 years or older, depending on where you live.
• Be a U.S. citizen or a lawful U.S. resident with a U.S. residential address that isn't a P.O. Box. You can also use a military address.
• Use two-factor authentication with your Apple ID.
• Sign in to iCloud with your Apple ID.3
• If you have a freeze on your credit report, you need to temporarily lift the freeze before you apply for Apple Card. Learn how to lift your credit freeze with TransUnion. 
• You might need to verify your identity with a Driver license or State-issued Photo ID.