Apple Pay Usage text message

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

It is a scam. You were not charged anything. The only thing that would be a problem is if you called the number in the message and gave the scammer your personal information. In that case your account has now been compromised.

As with any message/email, never call a provided number or click a link and give any information.