When adding Apple Pay you must add the following to your info.plist on the Apple Side regardless if you plan on implementing scanning of credit cards I believe.
NSPhotoLibraryAddUsageDescription Save Photos To Camera Roll NSCameraUsageDescription This app can use the camera to scan payment cards if you choose to use this feature. CADisableMinimumFrameDurationOnPhone
If this is not added, an invalid binary issue will be reported when attempting to upload a build to testflight.