sold iphone apple pay not working on watch

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Hi just erased and removed my iphone and made sure my cards were on the watch before, now no bank cards on the watch and it says i cant add any as im not connected to the cloud, on a watch 5 cellular and calls working, any ideas ?
Thanks
 
I'm trying to translate what you've written but it's a bit tricky.

You have an iPhone and an Apple Watch that's paired to the iPhone.

You've erased the iPhone and now you can't use Apple Pay on the watch. Is that right?

I believe that Apple Pay on the watch uses cards in your wallet on the iPhone. If the phone has been erased, the cards have been erased from the wallet.
 
Thanks to you both, yes you are correct I thought I could get away with selling the phone and use the watch while out to save carrying my wallet but it appears thats not the case, oh well a week or so I will live with it
 
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