Can we test Apple pay in simulator

Yes it is working in Simulator with Xcode 7 and iOS 9.

No need for bio metric thumb scanning.

Thanks all

Yes. You can test apple pay using iOS 9 simulator. So you don't need to add any testing sheet instead PKPaymentAuthorizationViewController. It's working on iOS 9 simulator. Make sure your app run on iPhone 6, iPhone 6 plus or latest version of simulator.

In Xcode 12.5 and iOS 14.5 you can do that using

opt + cmd + A