Karina
Hi 👋,
payment done with Apple Pay?
I do not know where you are trying to pay with Apple Pay, but if it is on line, you probably need to add to your wallet a Credit Card, not the Maestro MasterCard. Maestro is not good for on line purchases and not much accepted outside The Netherlands.
You can order a Master Card Credit card if not done already and add immediately to your wallet.
Also Digital cards are good as they are Credit Cards.
Cheers
GG