How can I use Apple Pay on my iPhone

Take a look at this link

Use Apple Pay for contactless payments on iPhone - Apple Support (CA)

See this article yo see if you have what you need and are in a region supporting ApplePay:

Set up Apple Pay - Apple Support

bek208 wrote:

I can’t use my Apple Pay

how can I use it?!

What happens when you try to use it? Are you getting an error message? If so, what does it say?