Unable to use Apple Pay on iPhone 13 after Apple Pay scam

Jessdgsp wrote:

They said Apple had got back to them & basically I am now unable to user Apple Pay on this device

You can disprove that simply by adding a different card to your Wallet. When you find another card can be added and used with Apple Pay, then you need to decide if your bank is providing the level of service and honesty that is acceptable to you.

If you prefer to contact Apple directly, you can do that here, but they cannot force your bank to approve your card added to the Wallet.

Contact Apple Support - Apple Support

The approval process is documented here and states it is not a decision made by Apple:

Apple does not approve or decline cards for use with Apple Pay. If your card was declined, contact your bank or card issuer.

If you can't add a card to Apple Wallet to use with Apple Pay - Apple Support

It is your bank that approves your card when it is added to your Wallet, Apple does not do that. If your bank approves the card, then they will send your device a unique token that can be used for Apple Pay purchases, and your bank is not doing that. Apple has no interest in denying your card as you do not get a refund from Apple for fraudulent purchases, those come from your bank and they bear the risk of any purchases that you make with Apple Pay. It is their choice on whether they allow you to use Apple Pay with their card.

Your bank is not being up front with you on the reason why they are not approving your card and just blaming it on Apple so you continue to be their customer. Their suggestion for the Google Pay app is not even an option if you are in the US as Google has shuttered that app. Either they are clueless, or just trying to mislead you on the real reason why they have denied you.

https://support.google.com/googlepay/answer/14555219?hl=en

Add a card from a different bank and you will realize it is not Apple that is preventing you from using Apple Pay.