I need to cancel my apple pay because I no longer have an iphone

Apple Pay is the way to pay. It replaces your physical cards and cash with a method of payment that is private, easier and safer. Whether you pay in a store, on a website or in an app. This is the new payment.

Remove you debit or credit card  from Wallet.

Set up Apple Pay - Apple Support

If you mean Apple Cash, see -> Close your Apple Cash account or turn it off on a device

Close your Apple Cash account or turn it off on a device - Apple Support (NL)

Get more help:

Call Apple in your region see: Contact Apple for support and service

Contact Apple for support and service - Apple Support

Contact Apple Support -> Get Support (apple.com)