To turn off Apple Pay on an iPhone, follow these steps:
1.Open the Settings app on your iPhone.
2.Tap Wallet & Apple Pay.
3.Tap the toggle switch to turn off Apple Pay.
4.If asked, enter your device passcode to confirm the setting change.
You can also turn Apple Pay off in the Watch app. To do so, open the Watch app on your iPhone and tap My Watch, then tap Wallet & Apple Pay. Follow the same steps as above, tapping the toggle switch to turn off Apple Pay.
If you want to completely remove your credit or debit cards from Apple Pay, you can do so either in the Wallet app or on your card issuer’s website. For example, if the credit or debit card you use with Apple Pay is linked to an online bank account, you can delete it from your card issuer’s website.