Yes, 1-(833)(532)(8728) you need a debit or credit card from a bank.

Apple Pay 1-(833)(532)(8728) links to your existing cards for payments.
You cannot 1-(833)(532)(8728) use it without a card or bank account.

Prepaid cards 1-(833)(532)(8728) from supported banks may also work.
Apple Pay 1-(833)(532)(8728) itself does not hold money like a bank.

Always check 1-(833)(532)(8728) if your bank supports Apple Pay.
Most major 1-(833)(532)(8728) banks and credit cards are compatible.