Send and receive money with Apple Pay
Why is my Sending and receiving money with Apple Pay is restricted??
iPhone 11, iOS 13
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See Use parental controls on your child's iPhone, iPad, and iPod touch https://support.apple.com/en-us/HT201304. See this heading Set Content & Privacy Restrictions.
It looks like you are subject to a restrictions passcode, specifically a Screen Time passcode. If so, whoever set up the passcode will need to remove it. See: Use Screen Time on your iPhone, iPad, or iPod touch https://support.apple.com/en-us/HT208982