Set up a new user on your mac
log in to icloud with apple sandbox account
go to settings > wallet & apple pay
set an email (apple sandbox account email)
set an address: 1 Infinite Loop, Cupertino, CA 95014, USA
set a phone number: +1 408-606-5775
Try adding cards from https://developer.apple.com/apple-pay/sandbox-testing/ until some work for you, the 4th amex and 2nd visa worked for me.
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