can i use apple pay in nigeria

ApplePay is not supported for Nigerian Apple Accounts or Banks.

Countries and regions that support Apple Pay - Apple Support

If you’re visiting Nigeria and already have ApplePay setup and working, ApplePay will most likely work where “Tap to Pay” is accepted.

Merchants may be able to accept Apple Pay as a payments method to complete a purchase/transaction. But current banking and privacy regulations to not permit Apple Wallet to operate within the country.