I keep getting "Could Not Set Up Apple Pay" right after I click on "Set Up Apple Pay". How do I fix this?

I have not set up my apple pay at all yet, so there are no cards on it. I open up Passbook, and click "Set Up Apple Pay" and it just pops up with a dialog box that says "Could Not Set Up Apple Pay" and nothing happens. Sometimes it asks me to log in with my Apple ID but then the box appears again. How do I get around this?

The credit card question is irrelevant because I can't get far enough in the process of setting up my apple pay to input a card. But if I were to get far enough, it would be the same card that is associated with my Apple ID.
My restrictions are all off.
I reset my phone and the problem still remains
Here is what happens in as much detail as I can explain: I awake my phone. I open Passbook, I then tap "Set Up Apple Pay" and 2-5 seconds later this is the screen I get.
It gives me no other options. I can select "Set Up Apple Pay" over and over again and nothing changes. This is the same result if I were to go through Settings > Passbook & Apple Pay > Add Credit or Debit Card.
I don't know what to do.

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