Hey there Vinnyg80,
Thanks for posting in Apple Support Communities!
Get started by selecting a setup method here for transferring data to your new iPhone: Transfer data from your previous iOS or iPadOS device to your new iPhone, iPad, or iPod touch
To answer your question about Apple Pay cards, check out the details below:
Add your cards to Apple Pay
You can use Apple Pay as soon as you add your credit, debit, or prepaid card to Wallet. Remember to add your cards to any device that you want to use with Apple Pay. Here's how:
1. Go to Settings > Wallet & Apple Pay.
2. Add your card and wait for your bank to verify your information. If your bank needs more information to verify your card, they'll ask for it.
Learn how to set up and use Apple Pay.
This information can be found in Finish setting up your iPhone, iPad, or iPod touch.
Check out what to do before trading in your device here: What to do before you sell, give away, or trade in your iPhone, iPad, or iPod touch
We hope this helps.