Why I can't use apple pay in Puerto Rico?

I Live in Puerto Rico, I have US credit cards and I can't setup apple pay in my iphone.

I do not know how Apple treats Puerto Rico ... if they treat it as if you are in the U.S.  For example, do you use the U.S. Apple Store?  You would have to be treated just as if you were in the U.S. to be able to set up Apple Pay.
For example, you cannot use Settings > General > Language & Region = "Puerto Rico" and have Apple Pay work.

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