Cannot add cards in the passbook

hello guys,
I have an IPhone 6 16Gb and I cannot find anything about Apple pay in my phone.
When I go to the settings the option to active the Apple pay ( in the part where exist the icloud and Apple Store )
when I access my passbook the only oprion that show is the scan the code ( nothing about add cards as you can see in the image).
Anyone with this problem or know how to solve it?
THank you.

Yes, my iCloud is ok, my fringrpints are in use and the restrictions are turned off.
i mi have no idea what is happen. For exemple, I cant see it in the general settings for exemple ( like in the picture).

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